Introducing Lowell Letter (Debt recovery)

FTW

Davie09 wrote: »

Thanks to all for all your help, I will keep an update as to what happens.

Just one thing on:

3. Though an enquiry is registered on my Experian Credit Report from Lowell there is no other log of the account I 'have' with them. Will ringing them and paying effect my credit score and account? (Since returning to work I have spent my time trying to build a good account). Even if you paid, your entry would still be there - your credit file would be marked as 'satisfied', but the default would remain there for one more year. If you've gone 5 years without any noticeable harm, 1 more year's an easy wait.

FTW your responses were excellent and there is just one thing that seems odd to me here with regards my credit report.

On my credit report from Experian it merely shows Lowell Financial Limited performed an Unrecorded Enquiry on the 14th October.

That is all that is there, there is no mention of the account anywhere else. In my accounts section I have just the 4 I expect to be there (all with Status Satisfactory).

This is what puzzles me, why did they perform an Unrecorded Enquiry but not register the account with my profile? Or should I expect it to turn up soon?

And what is an unrecorded enquiry?


And thank you Deep in Debt, the National Debt Helpline are giving me a ring tomorrow, thanks for putting me in that direction.

Fermi's pretty much answered the Unrecorded Enquiry business. Lowell will have used it as a tracing method.

As Fermi says, if you defaulted 6 years ago, it can't be put back. If Lowell tries to register their own new default, then that could well constitute defamation - and Lowell can be sued for that.
They have been in the past, and come off the worse for doing so.