Default placed by Lowell - no idea about debt?

bluenoze22

just taken another look at my equifax report. it is actually referencing lowell, but no default ...The info provided is so poor!

Communications Supplier from Lowell Portfolio 1 Ltd (I) /
Monthly Terms 0 @ £ 0
Status Settled
Payment Frequency Monthly Current Balance £ 0
Start Balance £ 0 Credit Limit £ 0
Default / Delinquent Balance £ 0
Start Date 10/05/2010
Date Updated 07/07/2015
Date Last Delinquent:
Date Satisfied 22/05/2015
Default Date:

PixelPound

bluenoze22 wrote: »

just taken another look at my equifax report. it is actually referencing lowell, but no default ...The info provided is so poor!

Communications Supplier from Lowell Portfolio 1 Ltd (I) /
Monthly Terms 0 @ £ 0
Status Settled
Payment Frequency Monthly Current Balance £ 0
Start Balance £ 0 Credit Limit £ 0
Default / Delinquent Balance £ 0
Start Date 10/05/2010
Date Updated 07/07/2015
Date Last Delinquent:
Date Satisfied 22/05/2015
Default Date:

Communications, so maybe a former mobile contract?

PixelPound

fermi wrote: »

Because given Lowells incompetence, there is a fair chance this was never the OP's debt in the first place. Lowell placing false defaults due to mistracing is not uncommon.

But its paid, thus the OP accepted ownership of the debt. Or do you think they have gone and traced an already paid debt?

bluenoze22

So looking at the 'debt' across the 3 Credit Agencies...

Equifax reference it at Settled & No Default with £0 Balance (as above)

Experian reference it as Default 'Satisfied' with a £205 Default Balance

Call Credit reference it as Default 'Satisfied' with a £205 Default Balance

The Telecomms reference is random as i've been with o2 for many years with no drama (still with them)

Lowell came back to my complaint email requesting further detail off me as they can't find me on their system! But at least they responded!

fermi

nic_c wrote: »

But its paid, thus the OP accepted ownership of the debt. Or do you think they have gone and traced an already paid debt?

Quite possible with Lowells. CS/data input error against the wrong details.

bluenoze22 wrote: »

The Telecomms reference is random as i've been with o2 for many years with no drama (still with them)

Does very much sound like a classic Lowells **** up.

PixelPound

bluenoze22 wrote: »

So looking at the 'debt' across the 3 Credit Agencies...

Equifax reference it at Settled & No Default with £0 Balance (as above)

Experian reference it as Default 'Satisfied' with a £205 Default Balance

Call Credit reference it as Default 'Satisfied' with a £205 Default Balance

The Telecomms reference is random as i've been with o2 for many years with no drama (still with them)

Lowell came back to my complaint email requesting further detail off me as they can't find me on their system! But at least they responded!

Did you just give them your current address? If the default was registered at an old address, then it will show on your credit file due to linked address. People assume that as there with a telecomms then they can't have a default with one. The neighbour from where I use to live, was with O2 and a default turned up on his CR, contacted O2 and after much investigation (did a DSAR as they weren't forthcoming initially) turned out to be an upgrade he was given in a shop and they opened another contract even though he kept his original contact and that defaulted with no payments on it.

bluenoze22

Hi all,

Eventually getting back for an update...

Lowell's (dare i say, to their credit [no pun intended!]) Got back to me via email and confirmed that the debt was in relation to a Vodafone contract.

The wife reminded me that i got this for her! Anyway, the account was settled before she switched contracts with no default notices received, so Lowell's are currently investigating at their end and will provide me with an update.

I guess i just sit tight and see what comes of it...I might reach out to Vodafone in the meantime and see if that is quicker.

yoshiyella

bluenoze22 wrote: »

Hi all,

Eventually getting back for an update...

Lowell's (dare i say, to their credit [no pun intended!]) Got back to me via email and confirmed that the debt was in relation to a Vodafone contract.

The wife reminded me that i got this for her! Anyway, the account was settled before she switched contracts with no default notices received, so Lowell's are currently investigating at their end and will provide me with an update.

I guess i just sit tight and see what comes of it...I might reach out to Vodafone in the meantime and see if that is quicker.

Email the CEO directly and hsi complaints team will deal with it. Under no circumstances phone them or send a general email as they do nothing! The email is [EMAIL="nick.jeffery@vodafone.com"]nick.jeffery@vodafone.com[/EMAIL]

bluenoze22

yoshiyella wrote: »

Email the CEO directly and hsi complaints team will deal with it. Under no circumstances phone them or send a general email as they do nothing! The email is [EMAIL="nick.jeffery@vodafone.com"]nick.jeffery@vodafone.com[/EMAIL]

Hi yoshiyella - Thanks for the advice, i have just fired an email off to him now. Hopefully this will have the desired effect.

yoshiyella

bluenoze22 wrote: »

Hi yoshiyella - Thanks for the advice, i have just fired an email off to him now. Hopefully this will have the desired effect.

You should get an initial response within 48 working hours - so by Tuesday afternoon at the latest.


This team are particularly efficient compared to the rest of Vodafone.