Unauthorized credit search by Lowell Portfolio 1 Ltd

jonathon01

Hello,

I have just checked my Experian credit report and have discovered that an Unrecorded Enquiry [search] was made by Lowell Portfolio 1 Ltd very recently. Lowell seem to be a debt collection agency and as I have defaulted loans it wouldn't surprise me if one of my original creditors has sold on the debt. However, I haven't given permission for anyone to search my credit report. Have Lowell committed an offence by searching my credit report without my permission or are they allowed to do this?

nomoneytoday

If they've bought a debt of yours, then I guess it's reasonable to check your credit record.
Do you disagree?

jonathon01

From their perspective it may be reasonable. However, this is not my question. I am just interested in whether or not they are allowed to search my credit report when I have not given my consent.

fozmcfc

I would imagine it will all come down to the T&C's of the original contract, it probably has bits and pieces about they will pass on the debt to their collectors, who will do this that and the other.

End of the day, so what if they checked it, if you have defaulted, then it's surely the very least of your problems.

PNPSUKNET

They are allowed the same rights as the origional creditor , if bought

Apples2

jonathon01 wrote: »

as I have defaulted loans it wouldn't surprise me if one of my original creditors has sold on the debt. However, I haven't given permission for anyone to search my credit report. Have Lowell committed an offence by searching my credit report without my permission or are they allowed to do this?

Did any of your creditors give you permission not to continue repaying the money you borrowed?

Sorry dude but a measly search on your credit file is completely irrelevant to the damage you have already done to it.

bloke1969

him all i have had a credit check done through experian and i found this company i mine also askeing for money i have no recolection of me and the wife had looking through other posts on here this company is a scam artist on which i have not recived a letter or phone call from mthis compay

Dabooka

bloke1969 wrote: »

him all i have had a credit check done through experian and i found this company i mine also askeing for money i have no recolection of me and the wife had looking through other posts on here this company is a scam artist on which i have not recived a letter or phone call from mthis compay

What?

Can you try that again please?

Apples2

bloke1969 wrote: »

him all i have had a credit check done through experian and i found this company i mine also askeing for money i have no recolection of me and the wife had looking through other posts on here this company is a scam artist on which i have not recived a letter or phone call from mthis compay

Last edited by bloke1969; Today at 2:53 PM. Reason: misspellt a word

You mean that is the amended version?? Holy Moly!

iolanthe07

bloke1969 wrote: »

him all i have had a credit check done through experian and i found this company i mine also askeing for money i have no recolection of me and the wife had looking through other posts on here this company is a scam artist on which i have not recived a letter or phone call from mthis compay

Last edited by bloke1969; Today at 2:53 PM. Reason: misspellt a word

You have misspelt almost all your words. Could you put your post into a form of English that we can understand so that we can help?

spike7451

iolanthe07 wrote: »

Last edited by bloke1969; Today at 2:53 PM. Reason: misspellt a word

You have misspelt almost all your words. Could you put your post into a form of English that we can understand so that we can help?

You're not wrong iolanthe07!
Flippin' heck! And I thought my English & Grammar was bad...and I'm dyslexic!
I did not understand a single thing in that post...