Delay in default - Lowell

Gillianh2

Thanks for your replies what should I do now just suck it up and wait for them to drop off at the end of the year or challenge them as to why the keep reporting them each month as missed payments.

adamp87

Mobile contacts aren’t covered by CCA & they are being accurate in reporting if you aren’t making payments.

You just want to keep an eye out you don’t get a Statutory Demand or something before it drops off I believe 

sourcrates

adamp87 said:

Mobile contacts aren’t covered by CCA & they are being accurate in reporting if you aren’t making payments.

You just want to keep an eye out you don’t get a Statutory Demand or something before it drops off I believe 

The OP can’t be made bankrupt for a phone contract and a mail order account.
The debt must be over £5000 for a statutory demand to be made, and Lowell don’t issue SD’s as pursuing people for bankruptcy usually leaves them with nothing, so it’s pointless.  

Hal01977

papski said:

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.

Same thing here!
mine relates to a CC account which has been removed and then reregistered as a new account in default. Lowell have been doing a lot of this since March and the start of the covid 19 Pandemic! they seem to be purposely registering new accounts in an attempt to remove the debt from SB rules. They are pure Scum!!!!! 

D3xt3r5L4b

Hal01977 said:

papski said:

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.

Same thing here!
mine relates to a CC account which has been removed and then reregistered as a new account in default. Lowell have been doing a lot of this since March and the start of the covid 19 Pandemic! they seem to be purposely registering new accounts in an attempt to remove the debt from SB rules. They are pure Scum!!!!! 

So long as the default date is the same as the original account defaulted on then there’s no issues

adamp87

sourcrates said:

adamp87 said:

Mobile contacts aren’t covered by CCA & they are being accurate in reporting if you aren’t making payments.

You just want to keep an eye out you don’t get a Statutory Demand or something before it drops off I believe 

The OP can’t be made bankrupt for a phone contract and a mail order account.
The debt must be over £5000 for a statutory demand to be made, and Lowell don’t issue SD’s as pursuing people for bankruptcy usually leaves them with nothing, so it’s pointless.  

Apologies I’ve got the wrong terminology now I’m not sure what I meant reading back 

Phyntom

I appealed a default with Lowell, as they didn't get back to TransUnion, they've hidden it from my credit file. It might be worth disputing this.

D3xt3r5L4b

Phyntom said:

I appealed a default with Lowell, as they didn't get back to TransUnion, they've hidden it from my credit file. It might be worth disputing this.

disputed for what reason?