Lowell Default Date

6 Posts

I put up a post a few months back regarding an alleged debt owed to Lowell Originally EE from September 2008.
I recieved a letter today that says Lowell will no longer be chasing the debt but is refusing to move the Default date.
What is my best course of action should I leave this now and wait until January 2022 until this is off my credit file or is there someone else I can complain to.
I have never acknowledged this debt in the letter they sent in May they gave me details of a phone contract that I took out years later. I have asked them to provide any payments or acknowledgements from September 2008 to March 2015 they have ignored this in every letter.
Any help would be fantastic
I recieved a letter today that says Lowell will no longer be chasing the debt but is refusing to move the Default date.
What is my best course of action should I leave this now and wait until January 2022 until this is off my credit file or is there someone else I can complain to.
I have never acknowledged this debt in the letter they sent in May they gave me details of a phone contract that I took out years later. I have asked them to provide any payments or acknowledgements from September 2008 to March 2015 they have ignored this in every letter.
Any help would be fantastic


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More than a third of IVA`s fail....fact.
Could A Debt Relief Order help you ?
Never pay a fee for a Debt Management Plan.
For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
If you want to challenge their findings and have them provide this proof then that is of course something you can do.
Is it worth it though? Considering that you have to get a final decision letter off them stating they won't move the default date. Then you'll have to escalate the complaint to the Ombudsman during CoVid and wait 4 months for it to be assigned to a case handler. Then they BEGIN the investigation, who knows how long that could take, a month maybe, how long has it taken you to get this far. Then IF they side with you, they will be instructed to move the default date within 28 days. Then it can take up to 8 weeks for the CRA's to update this info.
So in reality if it goes your way the default will be removed from your file 6 months early at best. As it stands they've settled the account and said they will not chase you for the debt, so at this point you are the one who is potentially appearing unreasonable (in their eyes) if you were to go ahead with this.
It won't cost you anything other than time though so it's up to you.
More than a third of IVA`s fail....fact.
Could A Debt Relief Order help you ?
Never pay a fee for a Debt Management Plan.
For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.