Lowell - Credit File Clean Up

Head_Burried

I was discharged from bankruptcy in October 2019. I'm trying to clean up my credit file and Lowell are showing that I have 2 open accounts with them. Both show a default date going back to 2015 but they both show as 'open' and have a balance next to them. I contacted them via email to close the account and update them and have just had this email back from them:

Hello,
 Thank you for your email.
 We are aware that you have a discharged bankruptcy. 
 The accounts do not close at this stage as it will remain with TDX Group, which Lowell have appointed to deal with our Insolvent accounts.
 The accounts could stay open with TDX Group for a period up to 3 years.  This is due to the fact that although you are discharged from your Bankruptcy after 12 months, a Trustee could still be appointed.
 Under the terms of your Bankruptcy if there were any funds to be realised under your Bankruptcy, Lowell would still require dividends to be paid to reduce the amount of Lowell debt that is included in your Bankruptcy prior or after your Bankruptcy discharge date.
 You will not be contacted by Lowell for repayment on this account.
 Regards,

Is this correct? Is there anything else I should be doing?

Many thanks

Head (not so) Burried

mwarby

So what they’re saying is because you may have an IPA in place, they’re keeping the accounts open in case a dividend is paid.

seems unusual and if there is a future case like PPI I’m sure they’d accept such money at any point in the future

might be worth making it an actual complaint if it isn’t already, and following that to the end 

I’m not sure that having them closed and at £0 would make a huge difference to your ability to get credit, this is going to be difficult until the 6 year point 

Head_Burried

Thanks for the reply

I didn't expect/don't need my chance of getting credit to improve even if the accounts are closed. My biggest concern was Lowell selling the debt further down the line and then me having to deal with it in the future but this doesn't sound like it will be the case anyway.

The default date is correct anyway so I'd expect them to drop off my file next year regardless.

luvchocolate

There is always a chance the debt will be sold on its quite common. 
If you do receive anything in the future don't worry there is nothing they can do 

Adamanta

Hi!
do not let them get away with it! I had exactly the same issue and same response. I made complaint to ICO. It took few months to process, but! Lowell has corrected their (deliberate, I think) mistake, sent apology letter and £75 cheque.