Default from Lowell showing on credit report
in Credit file & ratings
11 replies 345 views
hoping for a bit of advice.
I have just checked my credit file, and have found a default for £113 from Lowell on my account, with a start start date showing as feb 2008 and a default date of feb 2016, at first I couldn't place what this could be, it has been quite a few years. Iv been racking my brains about this and recall sending a prove it letter to Lowell quiet some years ago. They responded with an aggressive letter back saying it was something to do with a House of Fraser credit card that i had closed some time before and that the debt still stood and they would not remove it off my credit file. I obviously didn't think much of it at at the time and well here we are several years later and its still on my credit file! 🤨
In relation to the debt as I had already closed down this credit card, I am pretty sure there was no balance on the account. So do not believe this to be a genuine debt that I owe, if I thought it was something I had neglected to pay I would just pay and be done with it. As I dont think its real, its now the principle of the matter and the whole how dare you try and extort money out of me, thats my nieces job!
Anyhoo after doing some light reading I see that it states defaults are listed on your credit report for six years and then drop off, so my question is if this is the case should I just wait it out?
The date of default is listed as 29th feb 2016 so 6 years would take me to 29th feb 2022 which is 6 months or so from now?
Or should I be writing stern letters telling them as they can not prove the debt they can not hold me liable for something that does not exist and therefore have to remove it off my account or something along those lines? Or do I risk rocking the boat and them extending the default time or messing with me some more?
I also reported it to transunion who said they where unable to help me with this matter and that I would have to contact Lowell to get them to amend it if I believed it was incorrect, im pretty sure they would just say no way Jose!
So fellow MSE users, any insight or advise on the matter would be greatly appreciated.
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Theres nothing in the OP's post to indicate when it should have defaulted, it may be pre-2016, but it may well be fine. Until the OP comes back and confirms when it actually went into arrears, it's probably best to not assume anything.
No assumptions here, just stating facts and giving the OP the information they need to deal with their problem, not just sniping at other posters
Did you get out of bed on the wrong side this morning?
Thank you for taking the time to get back to me, iv been trying to find records and see if I can shed any further light on the matter, sadly I no longer have anything for this account. But as far as I can see 2008 seems to be about the time I took out the card with HOF and 2016 is the year I believe I closed the account down.
So the dates dont really make sense to me as it was an active card which was used from time to time so why would the start date be listed as 2008?
Im so confused!
Thank you so much for your help, much appreciated!
If it was indeed interest would they not have notified me or would it just be sold on and left to fester into a balance?