Hutchinson 3 UK Default: Wont take my money!

welly_59

so a week after submitting my complaint i get a canned response asking for my account numbers, addresses etc. Which i had already included in my initial complaint email...

Doesnt bode well for this actually getting resolved to my satisfaction

welly_59

I received a call from 3 this morning regarding this complaint. Had to go through all the details again, including giving my OLD postcode for the millionth time as they still havent changed my address.

This time the assistant stated the debt had been sold to Lowell in 2017. This is the first time i have been told this, first i was told it was written off, then it was with past due collections, now its with Lowell....

Funny thing is i called Lowell a month ago to sort out payments on another issue. Asked them to check my current and previous address for any issues and was told they had nothing else recorded against my name or addresses.

If its indeed been sold to Lowell i asked the agent why are 3 still reporting the debt to the CRA's, and not Lowell, He had no answer.

I quoted the transcript of an earlier recorded call i had from a colleague of his, whereby the agent stated that 3 had recorded a credit to the account and that no money was due to 3 or to a 3rd party. He declined to comment.

At this point the agent stated his full and final resolution to my complaint was that i had to contact lowell directly, and that 3 would send a letter to my home address stating this as their full and final resolutuion. Guess what address they are going to send it to? yep, my old address....

At this point where do i go from here? I'm never going to get this f&f resolution letter, but can i now go to the ombudsman as three state they have closed the complaint?

welly_59

I’ve submitted a notice of dispute to the cras and an sar to 3. Let’s see what happens next

welly_59

i recieved the following update today from Three:

It shows both the contracts stands disconnected and there is no outstanding balance on the account. To update the new address on the disconnected account you need to call the Three customer service team and place a request for the same.

I've placed a update the credit on both the accounts. Our credit referral's team will look at your case. We can't guarantee that we'll change your credit file. The credit file will always reflect a true picture on how the account was managed. It will take up to maximum of 30 days for the credit file to be updated.

Does this sound like they are going to update the outstanding balance to zero?

I have replied asking if this is confirmation that the outstanding amount will be updated with the CRA's

welly_59

SUCCESS!!

I escalated this to the executive team and Ombudsman Services on Monday, and today i recieved a call from 3 stating they would remove the defaults, and write off the outstanding balance!

I've notified 3 that as soon as i receive this offer in written form i will then contact the ombudsman services to withdraw my complaint

Shakin_Steve

Glad you got it sorted, and thanks for keeping us updated.

welly_59

Just a small update. Callcredit have removed them and so have equifax, just waiting for Experian to do the same