Lowell - replicated B/Gas default

LilCoco

I had arrears on a British Gas account, I believed it had been paid off as I made installments over a number of months. It turns out, all the payments were put to the electricity account (wasnt in arrears & all payments showed as a credit and I was later refunded all payments).


British Gas confirmed they passed the matter to Lowell on 23rd January 2018, I was refunded above 10th April 2018, even after I told the adviser the payments were for arrears. I was unaware at this point the money was being put to the incorrect account.


Lowell starting chasing me for above payment, I told them that there was a mix up, I didnt owe British Gas anything, they had refunded me the said amount Lowell were chasing.


I am trying to tidy my credit file up, so just agreed to pay Lowell in November 2018. (Nothing from Lowell was showing on my credit file) it wasnt until I paid them in full, that they have marked a default in their name. So basically I have 2 defaults on my credit report for the same account, one from B/Gas and the other Lowell.


I think this is completely unfair, it is clear that the debt was being paid off and I think Lowell shouldnt duplicate a default.


Help! I'm desperate to clear defaults for a mortgage!

Debtfreestudentnurse

I had similar with Lowell. I called the original company and they admitted their mistake. They should have stopped reporting when it was sold. It was solved in one phone call. Give BG a call.

[Deleted User]

If Lowell have taken over the debt then they are obligated to also report the account as in default.

The BG account should show as a zero balance and possibly closed/settled/satisfied

Binkypug

I have exactly the same issue, defaulted with BG and Lowell bought the debt so I now have 3 defaults for the same debt

[Deleted User]

Binkypug wrote: »

I have exactly the same issue, defaulted with BG and Lowell bought the debt so I now have 3 defaults for the same debt

The BG accounts should have a zero balance and the lowell account/s should now have the balance and the default applied from the date the BG account defaulted.

If so then this is all correct and above board.

Binkypug

I can't see when the default was applied originally, all say settled 4/4/15 but Lowell are still chasing me for payments.

[Deleted User]

Binkypug wrote: »

I can't see when the default was applied originally, all say settled 4/4/15 but Lowell are still chasing me for payments.

Well do you owe the money?

That's the only reason why they would be chasing you

Binkypug

I am making payments to them BG have said I have 6 defaults for 2 accounts. How can that be. Will it ever go off my account if the money still owed?

[Deleted User]

You can only have one default per account.

It will drop off your file 6 years from the date of the initial default

Binkypug

BG don't seem to be able to give me that info. I had one for gas and one from elec

Lowell bought the debt joined it bother and have issued a default as well for the above.

Binkypug

They said they were still raising the default as the debt wasn't paid. So they sold it to Lowell in Feb 2018 and it would be 6 years from then

And now I have the one from Lowell. This only shows on Experian not the other 2cra