Can be deleted

xlnc99

Its clear as night and day form the OP's original message. He asked 02 to remove the default, 02 said YES they give permission for the default to be removed but they need Lowell to remove the default. The OP then gave this information to Lowell saying 02 have agreed to remove the deafult but Lowell are the new owners so only they can remove it but they need permission from 02 as they were the original people to put the default on

Its quite simple and im not sure what you are not understanding about this

Willing2Learn

Yes you are correct. O2 put the default on the account but then agreed to have it removed. Unfortunately, when the debt was sold, the default had become the responsibility of Lowell. O2 did not have the right to remove the default once the debt was sold. It was at Lowell's discretion. Lowell would have been within their rights to refuse the request from O2 (and the OP) for the default to be removed.

I think that is pretty clear. You are interpreting the guidelines and rules incorrectly as you are basing it on the way that Cabot treated you. Cabot were wrong you see. That is my assertion.

xlnc99

Whether Lowell are within their rights to refuse the request from 02 - I am not sure about that. I would imagine no personally as its 02 responsibility. Lowell just bought a debt nothing else. For all we know the default may have been put on incorrectly, so Lowell have to remove it. I would imagine they have to do as they lender says.

However the point remains, Lowell cannot remove the default without 02's permission. You always have to contact the original lender

Willing2Learn

How can it be the responsibility of O2 when they do not own the account? It would not make sense. It is at the discretion of whoever owns the account as to whether or not they remove a correctly recorded default.

Edit: I don't think our 'conversation' is useful to either the OP or to MSE. I will refrain from any further comments and apologise to the OP for hijacking this thread.

xlnc99

Of course it makes sense. Lowell bought the debt with the default already on there. The only reason the default was moved to lowell because bought the debt and all details were transferred across to them. They did not issue the default or have any idea if the default is correct or incorrect.

The original lender who issued the default has all the responsbility of removing it. Lowell only remove it because they are the new owners of the account but cannot remove it without 02s permission.

sambaird

Once again... another thread hijacked by this barmpot.

Suggest we don’t feed the ....

SnowTiger

Lowell doesn't have any incentive to remove the default.

Debt accrued in 2015 and wasn't paid until 2018. Default seems reasonable.

OP negotiated with O2 to remove the default and made a payment to them.

However O2 isn't the owner of the debt. It was sold to Lowell. OP should have negotiated with and paid Lowell.

Has Lowell received payment from O2?

AndyPix

Only the company who is named on the default can remove the default.
It is that simple.


If Lowell bought the debt, then O2 should have removed their default and Lowell should have re-applied the default in their name with all the same amounts and dates.


That is how is it supposed to work.


In this case, O2 wouldn't have been able to remove the default, as it would have been in the new owners name (Lowell) -


Way to ruin a thread BTW!!

boo_star

sambaird wrote: »

Once again... another thread hijacked by this barmpot.

Suggest we don’t feed the ....

And regulars are being PPR'ed left right and centre because of people like this.