lowell portfolio and default

delvey

Sorry for not updating the thread.
I sent the document in via post last Thursday (the CAB advised me to do this). The default appears to have been completely removed from my credit file, and Lowell are sending me a cheque for a refund. They say they still need to speak to Vodafone to confirm this then they will close my account. I am still waiting to see if Vodafone issue a final balance on the account.
So I would like to everyone on here for there advise, and for Lee for helping me out.
Regards

matttye

Brilliant news

Just keep an eye on it to make sure it doesn't reappear. Ideally you should get something in writing from Vodafone confirming that the default was incorrect.

rizla_king

Well done.

delvey

So I have received a cheque today from Lowell (Hurray) and a letter from Vodafone (not so good)
This is what they have said
"I have looked at your account and I can confirm we hold no record of receiving your 30 day termination notice advising that you wish to cancel your account. Due to this the account remained open and subsequently charged. however as you have provided a letter from Vodafone confirming your account will be cancelled. I can offer no confirmation as to why your account was not cancelled or your letter not logged. I will remove the default and the late payments recorded for December 2011 and January 2012".

Thats the good bit. It then follows

"Having checked your call charges I can confirm that the handset was still being used up to and including November 2011 so these invoices you will be charged for and the late payments will remain recorded on your credit file gor October and November 2011."

This is totally incorrect, as stated by Lee in one of my phone calls to him no outbound calls/messages were made after the July/August (not 100% sure which he said) from the handset. Call forwarding was setup however so may have diverted my calls a few times. It goes on about my account being sold to Lowell and then.

"I can confirm that once the adjustment has been applied to your account you will have an outstanding balance of £97.72 which you will need to pay. Please contact the Lowell group to arrange payment"

So is this justifiable? As my contract was for £35 per month and they wish to bill me nearly £100! I know for a fact one I cancelled the account I never used the handset to make any calls, and even so they should have disconnected me anyway. Should I make a subject access request to find out what calls were supposedly made as well. What steps should I now take, as a late payment for a contract I cancelled surely is not good enough, never mind the huge amount they want. Should I complain to the ombudsman?

I am starting to think about compensation now as well, as this is starting to stress me out. Seems like vodafone want to milk every penny off people.
Thanks for any advice