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Default notice from Lowell Group

Hi

I have just checked my experian credit file and have had a default notice placed on there for around £100. I have had no previous dealing with this organisation and I would really appreciate any advice on the steps I need to take to have this default removed.

Thanks

Mark

Comments

  • StokieBecks
    StokieBecks Posts: 4,997 Forumite
    Part of the Furniture 1,000 Posts Photogenic Xmas Saver!
    You need to work out what the original account is. Lowell are a purchaser so they will have bought the debt off a company (which you should have received a letter about-

    If you really cannot think of a debt it could be then raise a dispute but if it is a correct debt and lowell now own it the default won't be removed as companies must report accurately
    £2 Savers Club for 2022 #12
  • sourcrates
    sourcrates Posts: 31,833 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Lowell buy delinquent debts.


    Could be anything, an old utility bill, money owed on an old mobile contract, unpaid credit card bill, anything really.


    They will usually write to you informing you of the purchase, and that they are now the new owner of the account.


    Have you received such a letter ?
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
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