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Wrong default date Creation Finance & Lowells

Subtrax1
Posts: 3 Newbie

I'm just looking for some advice. I had a debt showing on my credit report with Creation that was sold to Lowells with a default date 19/08/2018 this became statute barred in September this year and has dropped off my credit report. But now its showing back on my credit report back with Creation with a new default date of 2020. I don't recognise or acknowledge this debt with Lowell or Creation.
I sent a prove it letter to Creation and received within a week a letter from Lowells asking me to call them to speak about the debt with Creation. I've not received anything back from Creation with regards to this matter. They received the letter 1 month ago. Any advice what to do next?
I sent a prove it letter to Creation and received within a week a letter from Lowells asking me to call them to speak about the debt with Creation. I've not received anything back from Creation with regards to this matter. They received the letter 1 month ago. Any advice what to do next?
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Comments
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If you've kept a copy of the old report with that default date on it, they haven't got a leg to stand on.0
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Do know what my next steps should be? Thanks0
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As fatbelly suggests above, do you have a copy of that report or a screenshot saved?
If not its your word against theirs unfortunately, either way you should send a written complaint obviously.
They can`t just alter default dates willy nilly.
I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Yep, I've got a PDF of my credit report from Experian but with the Lowells details and correct default date, not creation's name on the default.1
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Are you sure that debt originated from Creation?If you've have not made a mistake, you've made nothing0
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