Unauthorized credit search by Lowell Portfolio 1 Ltd

Locana

Hi

Yeah they can search your file, they need to know that they are sending the debt to the right person etc. And the search will stay on your file for two years..

Ta
Lo

col46

Hi I wonderif any of you guys can help.

I am currently in a dispute with our arrowglobal however, I have found on my credit report that Lowell portfolio has done27 searches in two months. I have no idea why Lowell portfolio is searching myfiles. Is there anything I can do to stop them and is there anything I can doto get some sort of compensation. I don't believe these companies have theright to do all these unauthorised searches with such frequency. On one day therewas 3 searches completed by Lowell portfolio. My dispute with arrow global is for a phonebill with orange UK that is not mine and they have put it on my credit file asa default. The first thing is the letters are not in my full name and secondly Ihave had a contract phone with orange UK for the last five years. However I donot know why Lowell portfolio is making such searches. Arrow global have-not.

Please can anybody advise me what to do nextI've considered going to the office of our trading but I do not know how to goabout it.
thanks
col46

Tixy

Col46 - this link might help
Can debt collection company legally access my credit report?

If you have an outstanding debt that they own or are responsble for collecting then yes they can search your credit file.

These searches are not visible by anyone else and don't affect you in terms of getting future credit so you haven't suffered anything by which you would be able to get compensation.

Certainly if you believe this is not your debt and these debt collection searches are related to that they you should formally dispute this with arrow, and with orange if the default entry is still in their name not in arrows or lowells.

It could be that lowell own the debt and arrow are collecting it on their behalf - thats not uncommon.

That said the frequency of the searches seems ridiculous and you could complain about them.