Lowell Nightmare

Emma1105

Evening all,

Seeking some advice please.

To give you some background... My partner and I are in the process of looking for our next home. We originally put the house on the market in January and got an AIP in February. Our house has only recently sold and I have approached our lender to renew the Agreement in Principle only to be declined due to "arrears in the last 12 months".

As neither of us have missed any payments on our credit card in the past 12 months (and definitely not since February's original AIP) I have been on a credit report rampage this evening to see if I can find what has appeared in the past 2 months.

I have found a default from Lowell Group dating back to February 2012 but showing as defaulted under my name in April this year. I believe this to be from on old Vodafone account that was closed before I went abroad back in 2012. I did get a letter earlier this year and paid the £75 it was asking for straightaway.

Now this is showing as a default in this year and is preventing us from getting our new mortgage (I doubt any other lenders would touch us with this either).

Is there anyway of getting the default date updated to reflect the correct date or am I now stuck with this on my credit file for the next 6 years? Reading online I know that Lowell are cowboys and am so worried that this has ruined our chances of moving.

Please send help!!

fatbelly

Complain to Lowell in the first instance.

sourcrates

There are worse DCA's than Lowell.

As Fatbelly suggests, send a written complaint to there compliance department, emphasis the fact the debt was paid as soon as you were aware of it, and that you are prepared to take this to the financial ombudsman if necessary (that alone would cost Lowell there £550.00 referral fee).

That may persuade them to look favourably on your situation.

ellison007

What is the £550 referral fee? Do they have to pay this to the financial ombudsman each and every time someone complains?

[Deleted User]

Yes. Unless the complaint is deemed frivolous.

Candyapple

Emma1105 wrote: »

Evening all,

Seeking some advice please.

To give you some background... My partner and I are in the process of looking for our next home. We originally put the house on the market in January and got an AIP in February. Our house has only recently sold and I have approached our lender to renew the Agreement in Principle only to be declined due to "arrears in the last 12 months".

As neither of us have missed any payments on our credit card in the past 12 months (and definitely not since February's original AIP) I have been on a credit report rampage this evening to see if I can find what has appeared in the past 2 months.

I have found a default from Lowell Group dating back to February 2012 but showing as defaulted under my name in April this year. I believe this to be from on old Vodafone account that was closed before I went abroad back in 2012. I did get a letter earlier this year and paid the £75 it was asking for straightaway.

Now this is showing as a default in this year and is preventing us from getting our new mortgage (I doubt any other lenders would touch us with this either).

Is there anyway of getting the default date updated to reflect the correct date or am I now stuck with this on my credit file for the next 6 years? Reading online I know that Lowell are cowboys and am so worried that this has ruined our chances of moving.

Please send help!!

Are you sure you're not confusing monthly late payment markers/status updates with the actual default date?

If the account was defaulted in Feb 2012, it is highly unlikely that the date would change.

Can you please take a screenshot and post it here (edit out any personal info)


Have you checked the info across all 3 agencies?
Experian: https://www.moneysavingexpert.com/creditclub
Call Credit: https://www.noddle.co.uk
Equifax: https://www.clearscore.com

Vodafone

Hi Emma1105,

If you still need help with this, email me via the form here.

To access the form you'll need to enter the code WRT135.

As well as stating your query in the question box, please also quote "MSE Forum".

Once sent, you'll receive an automated reply with a reference number. Post it on here and I'll check I've received it.

Kind regards,

Lee

Social Media CARE

Vodafone UK

Emma1105

Hi Lee,

I have filled out the form this evening, reference 16186629.

I am unable to post a screenshot as can't work out how to do so without Photobucket and the registration page is unavailable! If anyone has any other ways to do this please let me know.

Many thanks,
Emma

Geoff1963

Try "Print Screen" and paste, or "snipping feature".
Failing that, take a photograph of the screen on your mobile. If there is information to be redacted, use post-it notes.

PixelPound

Arrears in the last 12 months will be Feb 2016-Feb 2017 and not anything to do with 2012, surely?

Candyapple

Emma1105 wrote: »

Hi Lee,

I have filled out the form this evening, reference 16186629.

I am unable to post a screenshot as can't work out how to do so without Photobucket and the registration page is unavailable! If anyone has any other ways to do this please let me know.

Many thanks,
Emma

Click 'PrtScn' button on your keyboard and then open up Microsoft Paint.

Click 'Ctrl' and 'V' button at the same time to paste the image.

Use the editing tools to delete any personal info (if any)

Save the image.

Go here to upload it: http://imgur.com/upload

Post the link here.