Hi MSE community.
I received a Default from Lowell in Dec 2016 for a mobile phone contract with Vodafone. I have disputed this with Vodafone & Lowell, mainly due to concerns over fraud on the vodafone account, they're unable to provide bills for 5 months during which those 5 months the amount owed jumped dramatically and to cut a long story short as far as I was aware at that time the account had been cancelled as confirmed over the phone with a Vodafone representative.
I've been battling it ever since, however having done the 3 letter method on Lowell, they've never once tried to take me to court but every so often send me letters offering silly discounted amounts that I have always returned to sender.
However, they have sent one through recently that offers to discount the amount by 90%. It is my understanding that come January the debt will be statuary barred, but also to my understanding that doesn't mean it comes "off" my file, it'll still sit there, it's just no longer enforceable in a court, meaning my score, etc will still take overall hits? Also would it still be marked as defaulted every month too?
Which brings me to my next question, is it worth paying the 90% reduction (it's literally less than £100) if I can get terms that state the rest of the debt is not enforceable and that my file will be updated as partially settled? Because than also to my understanding (wrongly perhaps) come January 2023 when the default would be statuary barred, instead the partially satisified mark would come off the file?
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