Help please with Lowell Group/Capital One

mousehunt

I hope someone is able to offer some advise on this.

In 2006 my husband was made redundant, he had a Capital One credit card and paid PPI. When he made a claim on the PPI it was useless, they advised it did not cover his circumsances. We argued with Capital One for 2 years, they continued to add charges to the account, and then despite the account being in dispute with them they sold the account to the Lowell Group. When we received the 1st letter from Lowell we advised that the account was in dispute, we then received a letter from Lowell Portfolio, we advised the same that it was in dispute, we then received another letter from Red Collections, advised the same, then received another one from Hampsons Legal. I then sent through the prove it letters found on your website, still they kept swapping about who the letters came from. In Febraury 2009 we contacted the Financial Ombudsman, with all the cases 1. Capital Ones PPI, 2. Capital Ones charges and 3 the Lowell Group of Companies. Earlier this year we Capital One agreed that the PPI was missold - the amout was credited against the outstanding balance with Lowell, Capital One then repaid all of the excess charges, again this was credited to the Lowell Account the total amounted credited was £1100.00. The original amount was £1320.00. The Ombudsman was still dealing with the Lowell part of the claim. As we had been trying to clear this matter up we agreed that we would pay the final balance to Lowell in order that the account could be settled - after 6 weeks of trying to pay the balance Lowell finally unlocked the account and we paid the balance of £220.00. They advised that they would then show the account as settled on Pauls Credit file. In the meantime, the Financial Ombudsman was still contesting the case of whether the default was shown on the account in the first place, but we thought that at least the account would show as settled and this would help Pauls credit score. Since then we have been chasing the Ombudsman for updates, they have advised that they are very busy and are still waiting for information to come from Lowell. This case has been open over 18 months now. Yesterday when I checked Paul's credit file, Lowell have done the following:-
They have added a note to the credit file to say - even though the account was settled it was only a partial settlement - which is factually incorrect as with the refunds from Capital One and the payment we made the balance was cleared in full. They have also moved the default information to our new address, even though the default was registered at our old address, can they do this?
I have been trying to contact the adjudicator relating to our case all day, and I cannot get hold of him, I also rang Lowell, they advised someone would call me back, but the lady I spoke to said the Lowell Group would change nothing as we did not pay them in full. We are now at the end of our teather with this, please could someone advise if Lowell can do this, and do Lowell have the power to do whatever they wish?

Sorry this is so longwinded but I would really appreciate some advise thanks