Removal of Default when no Agreement is supplied

ThriftyBrit

PayPal recorded a default with Equifax and then passed the account to Lowell.
I sent a CCA request to Lowell, who advised after the 12 working days allowed that neither Lowell nor PayPal could locate an Agreement and, therefore, the outstanding balance will not be pursued and that Lowell will close the account.  As neither PayPal nor Lowell can provide an Agreement, am I within my rights to ask PayPal to inform Equifax to have the account removed as if it never existed.

Puddles83

No.
Because it did exist, and you did default.

sourcrates

The account did exist, its just that PayPal cannot locate a copy of your user agreement, nor do they possess enough information, it appears, to provide you with a reconstituted copy.

All that means is they cannot obtain judgement against you in court, nothing more.
You are lucky Lowell have chosen not to pursue the account, consider that a win, and leave it at that.

The_Real_Cheddar_Bob

You can however try to get the account marked as settled, or just pay the debt. 

PixelPound

Usually no agreement means cannot enforce the debt by way o Judgment. It is still there, and should the agreement be located in future, the debt becomes enforceable again. Debt companies often continue to send letters asking you to pay, but it looks like they've decided to close your account.