Littlewoods - Lowell Help - Default

ffc1991

Hi,

I have a default on my credit report from Littlewoods appearing from last year. The debt has been sold onto Lowell I believe and I've been repaying them monthly for a while now. However I've only really just come to realize the severity of the ''default notice''.

I don't ever recall getting a letter regarding this but at the time I had moved address a lot due to being a University student and didn't have a fixed address.

I've spoke to Lowell on the phone and admitted the debt is mine already (rookie mistake?) and have also mentioned about paying the debt of in full as my Mum said she'd help me.

I do remember though that the original debt with littlewoods was for around £400 and the debt Lowell said I owed was around £800. Paid about 250-300 of of that now as well.

My main concern tbh is this default on my credit rating, I plan on buying a house with my partner next year and this seems to of put a major spanner in the works.

Is there anyway of getting the default removed? I spoke to Lowell and they said no as littlewoods put the default on and sold the account to them. But from what i can work out the default was applied by Lowell.

I just never remember getting that letter but then I may have but never collected my post as it was a University address I registered it with.

I also rang lowell and asked about a settlement price and they said they wern't interested and that they can't offer this. I'm not confident enough to argue my point or anything so left it at that.

Any help much appreciated

ffc1991

ffc1991

I can provide a pic of the data entry on my credit report via pm of that helps forum wont let me post it.

ffc1991

ffc1991

I did ring Lowell today also when asking about the default etc and I asked them for the original documents from Littlewoods contract etc and she got all defensive and asked why. I replied that i just wasn't sure about it all. She said shed get them sent to me within 30 days.

ffc1991

ffc1991

I'm also confused as it looks like the default has been put on the account after I was paying them but I may have made a mistake.

happy_bunny_2

Very unlikely to get it removed.

Lowell will now report the account with the default as they took over credit reporting when buying the account by the sound of it. So what they say sounds right.

If you pay it off and the rest of your credit file is good, you should still get a mortgage. Best post on the mortgage board.

mrfd

My partner and I have had the same issue with Lowell for a debt of about £300 that was on her credit file, we have been backwards and forwards with Lowell and they have not budged however we were able to get a mortgage with nationwide through a broker, maybe your best bet is to speak to a broker and explain the situation and take it from there.