Please Help Returning After An Old Post I Made!

a7x4369

first post..

https://forums.moneysavingexpert.com/discussion/4151253


hello i am returning to ask advice i have posted a link of my old post starting a new one in hope people will see this better than the old one..


i contacted lowell after finding they had defaulted me on a phone contract that was nothing to do with me after sending them a prove it letter way back in august 2012 i have received a letter from them today



we write in reference to the above mentioned account.

we can confirm that we have conducted a review of your account and not that a response has not been received from our original creditor in relation to your dispute.

having take into consideration the amount of time taken to obtain information, we have taken the decision as a gesture of goodwill and with no admission of liability to close the account; you will receive no further correspondence from us in relation to this matter.

we trust that you will find this satisfactory and that this matter is now closed.



now the letter was written on the 8th march 2013 i checked my credit file this morning and it is still showing as defaulted..should i wait and see if they remove it? or should i contact them again and ask for it to be removed?

any advice would be greatly appreciated! thanks!

fermi

Yes, I would write back reiterating that:

- This is NOT your debt and has never had anything to do with you.
- You demand that they remove all credit file entries.
- That by knowingly reporting false information on your credit report that they are in breach of the Data Protection Act, and that such reporting may be defamation.
- You will reporting the matter to the OFT, ICO as appropriate.

If you have not done so already, then I would register a dispute via whatever credit reference agency it shows up on.

a7x4369

thanks!

i have tried a dispute already and they came back to me saying they couldn't do anything with out the debt collector permission

i will contact them again! thanks for your response really appreciate it!

fermi

Well, if you have disputed it already via the creditor reference agency then they may not allow you to do that again.

But you can certainly write to Lowells as above.

The_Boss

fermi wrote: »

Yes, I would write back reiterating that:

- This is NOT your debt and has never had anything to do with you.
- You demand that they remove all credit file entries.
- That by knowingly reporting false information on your credit report that they are in breach of the Data Protection Act, and that such reporting may be defamation.
- You will reporting the matter to the OFT, ICO as appropriate.

If you have not done so already, then I would register a dispute via whatever credit reference agency it shows up on.

Yeah - keep a copy of both this letter received and your response in case you need to send them on to the CRA at a later date.

[Deleted User]

fermi wrote: »

Well, if you have disputed it already via the creditor reference agency then they may not allow you to do that again.

Could the OP not attach a note to the entry, stating "This is not, nor ever has been, my debt"?

a7x4369

i have emailed them with photos of the letter they sent me and the default still on my file and the above what fermi wrote i have received the automated response email from them to say it has been passed to customer service department so guess its now just another waiting game..

with me not agreeing to the matter being closed because of the default..they cant reopen the debt can they?

a7x4369

Bedsit_Bob wrote: »

Could the OP not attach a note to the entry, stating "This is not, nor ever has been, my debt"?

i have tried that too and apparently not..

[Deleted User]

I think a call to the ICO is in order.

Cite the 4th principle, and the 2nd right, of the DPA.

a7x4369

hello! i have received a email back from lowell this morning they have asked me to ring them? do you think this is a good idea? they have closed the account so they cannot reopen it can they? and help would be greatly appreciated as i really am in two minds whether to ring or not because i know how horrible they are! but i desperately want this wrong default removed! what should i do?

rizla_king

What is to discuss? I would resend the last letter to ComplaintsResolution@LowellGroup.co.uk saying this is their last chance.