Three mobile and Lowell ruining my credit file

phoenix99999

nic_c said:

OP needs to confirm whether original default date has been preserved.
It looks like the debt has been sold. Fairly common for the old default to drop off and a new one for the debt purchaser, that way they can keep credit files updated (e.g. if a debt is being paid off)
OP probably should check credit file on all three agencies.

Thank you for your advise.
I didn’t think to check all three reports. Thankfully it only shows on the transunion report. 

Deleted_User said:

Kdray said:

I read an article that may help in your case, about getting the default date put back to the original date that three used. 

I have also read about getting in writing to have the default removed on agreement to pay under the circumstances. 

Please look I to this further though, as I would not want it to keep or trip you into a unfair fresh 6 years.

I tried posting the link however I'm too new..

Google....
can I get a default for a debt over 6 years old

Then click on the debtcamel link at the top.

Hope this helps! 

The default date must be the first date, Lowell can add a new default whenever (the 3 one must be marked as settled) but cannot create a new 6 year time period, the default must still disappear 6 years after the initial one. 

The account was opened and “closed” in 2003 and looks to have been brought back to life as a debt/default in Aug 2015 from what I can understand. 

This is the date that Lowells have it listed as too. Does that mean it will vanish in august this year? 

[Deleted User]

phoenix99999 said:

nic_c said:

OP needs to confirm whether original default date has been preserved.
It looks like the debt has been sold. Fairly common for the old default to drop off and a new one for the debt purchaser, that way they can keep credit files updated (e.g. if a debt is being paid off)
OP probably should check credit file on all three agencies.

Thank you for your advise.
I didn’t think to check all three reports. Thankfully it only shows on the transunion report. 

Deleted_User said:

Kdray said:

I read an article that may help in your case, about getting the default date put back to the original date that three used. 

I have also read about getting in writing to have the default removed on agreement to pay under the circumstances. 

Please look I to this further though, as I would not want it to keep or trip you into a unfair fresh 6 years.

I tried posting the link however I'm too new..

Google....
can I get a default for a debt over 6 years old

Then click on the debtcamel link at the top.

Hope this helps! 

The default date must be the first date, Lowell can add a new default whenever (the 3 one must be marked as settled) but cannot create a new 6 year time period, the default must still disappear 6 years after the initial one. 

The account was opened and “closed” in 2003 and looks to have been brought back to life as a debt/default in Aug 2015 from what I can understand. 

This is the date that Lowells have it listed as too. Does that mean it will vanish in august this year? 

Default date should be within 3-6 missed contractual payments. If your debt was from 2003 and you stopped paying in 2003, it should not be added back as a new one. If it was correctly added in August 2015 then yes, it will disappear from your credit reports in August this year and cannot be re-added. That doesn't mean the debt doesn't exist however, if it was acknowledged in the last 6 years they can still chase for it - possible also they might try for a CCJ before the 6 year period.

phoenix99999

Ok, thank you for that. 

So should I try to head this off at the pass? I had no knowledge of this debt until I tried to find out why I had a default, which I also knew nothing about until I looked on Noddle. By the way, if I owed the money, it’s from much closer to 2003 than 2015. Three couldn’t supply me any info when I asked, they’d just say “we’re going to get rid of it for you I promise, rest assured” 

I really wish I’d never looked it’s more of a problem now I know it’s there and I’ve poked it- I don’t know it’s ever really been a problem before, but must have been. 

Thank you for your time on this. 

[Deleted User]

Safest thing might be just to wait until August and send a prove it letter if the debt collector tries to come after it.