Delay in default - Lowell

papski

Howdy all,
Usual Lowell runaround..
As Credit Karma and Equifax says, I "missed" a payment on a phone contract in July 2014 then the account lay dormant till October 2014 and is marked as settled with zero balance. No default filed at all.

Then there is a Lowell account which relates to this but it begins 1st July 2016 with a default.

My view is the default should at least be registered from anywhere between July to October 2014 or potentially January 2015 latest.

What do I do? I have raised a dispute with Credit Karma.. or do I go to Lowell and demand action as I could do with this gone sharpish.

Many thanks for reading.

sourcrates

Hi,

Credit Karma cannot move or remove defaults, only the original creditor can do that.

Lowell cannot back date a default to a time before they became involved, for obvious reasons.

Your complaint lies with the original creditor, and thats who you should write and complain to.

papski

I appreciate the reply.

I will do. I'd assume the best they could do is file the default anytime between July and October 2014 as the account is then closed?

But I will go to them and find out. Again much appreciated.

sourcrates

Defaults should be registered once between 3-6 contractural repayments have been missed.

That is the guidence on the matter.

Gillianh2

I have a problem with 2 defaults listed from Oct 2016 with Lowell (I’ve since been trying to improve my finances and succeeding) however each month Lowell report that I have missed payment on these accounts. I only realised they were doing this when Next said they were reducing my credit limit. Any suggestions as to how to resolve this. 

D3xt3r5L4b

Gillianh2 said:

I have a problem with 2 defaults listed from Oct 2016 with Lowell (I’ve since been trying to improve my finances and succeeding) however each month Lowell report that I have missed payment on these accounts. I only realised they were doing this when Next said they were reducing my credit limit. Any suggestions as to how to resolve this. 

Are you making payments towards it?

Gillianh2

D3xt3r5L4b said:

Gillianh2 said:

I have a problem with 2 defaults listed from Oct 2016 with Lowell (I’ve since been trying to improve my finances and succeeding) however each month Lowell report that I have missed payment on these accounts. I only realised they were doing this when Next said they were reducing my credit limit. Any suggestions as to how to resolve this. 

Are you making payments towards it?

No as I wasn’t aware of it being on there. And when I finally noticed asked Lowell for the original paperwork etc they stated they couldn’t locate it,,,

Gillianh2

I then thought that as they couldn’t produce original paperwork and I was up to date with all other commitments I could ignore it and leave it to drop off my file in the 6 years. ( I don’t want to post reasons I got into difficulty here) 

D3xt3r5L4b

So they can’t produce the original CCA?

What type of debt is it?

Gillianh2

No they can’t produce original CCA.
One is Mail Order
the other mobile phone that threw me as I have until feb this year been a customer of EE/orange since 2006 and kept the same number. I have a second hand I-phone.

D3xt3r5L4b

Mail orders don’t usually have a CCA to my knowledge.
And if it was a mobile purchased as part of a contract then you “sign”/agree to the CCA online at the time of purchase.