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Sammy_Girl

Hi Guys

i am so so so so cross :mad:

Upon checking my Equifax today to see if my Egg debt has been settled, I find a new account has been put on this week by Lowell (a DCA) and they've defaulted me in March 2005 for £16 !!!!!!!! !!!!!!!!!!!!!

Apparently I owe 3 this £16, although I have never had any correspondence from 3 about this alledged debt, and I even took out a mobile broadband contract with them last year :mad:

I am so !!!!ed off now. I've been working hard to clean up my file, and this has just set me back. It's like 1 step forward and 2 steps back.

Now i feel bad, as I was reversing onto my drive tonight and nearly knocked this poor Anglian Windows man over in my rage at this default. I wish now I said sorry to him, I'm not normally like that

I need to write a strongly worded letter to 3 and Lowell and hope they remove this pesky default

NickX

Sammy_Girl wrote: »

I find a new account has been put on this week by Lowell (a DCA) and they've defaulted me in March 2005 for £16 !!!!!!!! !!!!!!!!!!!!!

Be wary of Lowell, they are sharks, they will lie and cheat and use threatening behaviour to get repayment.

They are the lowest of the low in my opinion. Good Luck.

Sammy_Girl

NickX wrote: »

Be wary of Lowell, they are sharks, they will lie and cheat and use threatening behaviour to get repayment.

They are the lowest of the low in my opinion. Good Luck.

Thanks Nick. The mood I'm in I shall give as good as I get!!! I shan't call them,I will do everything by letter.

What do you think I should state in my letter. Should I send the CCA request letter. I've never used this before, but I'm adament that this is not my debt, and I do not want my report to be tarnished any further with this. Is there any legislation I can quote with regards to no default notice issued etc.

What !!!!es me off, is that I took my other defaults on the chin and settled them all. I just want this £16 off as I don't owe it!!!

NickX

Sammy_Girl wrote: »

What do you think I should state in my letter. Should I send the CCA request letter. I've never used this before, but I'm adament that this is not my debt

I would ask them to evidence the debt by supplying the CCA myself. If they can't do this, then they have no case.

I know of them because they once approached me for debt belonging to the previous owner of my house, nothing to do with me. They really were the most unpleasant bunch of people I have ever had the pleasure of dealing with. Once I explained the error of their ways they soon dissappeared so Good Luck

jayjayuk

heya good luck with zopa

that was the rate i got cause im only 22:A

i was so happy to pay off my 70% loan with everyday leanding :eek:

saving over 2k :j

i borrowed all i needed.

and some goodnews i got my letter saying mbna have recived my cheque etc..... even thou it cleaved well over a week ago.....

clio

Sammy
bad news eh, chin up and hope it can be sorted out for you.

Sammy_Girl

Thanks Clio. It really blows doesn't it??? I'm going to send the CCA letters and if they don't produce then I am going to ask them to remove the default. On the plus side, they recorded the default as March 2005, so it will drop off in March 2011. My latest default isn't due to drop until March 2013, and then I will be clear.

Anyway, enough of me. How are things with you? Had a good day??

clio

Sammy
i,m fine although sick of the horrible weather but cannot complain.

emmy05

hi ppl, hope we all gd, im a bit confused with my credit report, studio declined me in having a credit account, yet for some reason, theyve opened a file on my report, any ideas anyone? is this normal or should i ring them?

darcyvuqua

ring them emmy!!

hey i have just got in from pontins and discovered british gas have sent me a letter!!! woooohhhhhhhhhhooooooooooooooooooooooooo

2 X DEFAULTS REMOVED

checked my experian report online and low and behold 2 x defaults not even there i cant believe that there letter even says that it was there error i cant believe i have had these removed and did it all by research i cannot beleive it!!