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  • FIRST POST
    • BBOA
    • By BBOA 28th Jun 18, 10:31 AM
    • 36Posts
    • 2Thanks
    BBOA
    Incorrect Default
    • #1
    • 28th Jun 18, 10:31 AM
    Incorrect Default 28th Jun 18 at 10:31 AM
    Hi is there anyway to remove an inaccurate default on my credit file?

    Itís just appeared from nowhere and apparently it was in 2013

    Thanks
Page 2
    • robber2
    • By robber2 13th Sep 18, 2:08 PM
    • 371 Posts
    • 310 Thanks
    robber2
    Also it may be worth noting that they have admitted they didnít issue me with notice of buying the debt and registering the default.
    Originally posted by BBOA

    Why would they when they are under no obligation to do so?


    Rob
    • BBOA
    • By BBOA 13th Sep 18, 4:40 PM
    • 36 Posts
    • 2 Thanks
    BBOA
    Oh thought they had to contact you when registering the debt.
    • BBOA
    • By BBOA 13th Sep 18, 4:45 PM
    • 36 Posts
    • 2 Thanks
    BBOA
    Also,is it true that these companies must register a default within 6 months? I know nothing of these defaults certainly not when they were issued is there anyway I can find out? I use Clear score as a CRA
    • Gary_Dexter
    • By Gary_Dexter 13th Sep 18, 4:46 PM
    • 2,562 Posts
    • 1,443 Thanks
    Gary_Dexter
    Nope - you'll find out when the demands start coming through
    • BBOA
    • By BBOA 13th Sep 18, 4:56 PM
    • 36 Posts
    • 2 Thanks
    BBOA
    Ok. Lowell’s have gone as so far to say they won’t be pursuing the debt but also wont remove the default. What do you recommend as next course of action
    • Willing2Learn
    • By Willing2Learn 13th Sep 18, 5:10 PM
    • 1,747 Posts
    • 1,331 Thanks
    Willing2Learn
    If you are 100% certain that the debt is not yours, I would make a written complaint, by post, advising them that the debt is not yours, that they have failed to provide any evidence of the debt despite you having requested the evidence, and that having the debt marked as defaulted with the CRAs is therefore incorrect.

    If they don't uphold the complaint then you can escalate to the ICO and FOS after eight weeks.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • Gary_Dexter
    • By Gary_Dexter 13th Sep 18, 5:14 PM
    • 2,562 Posts
    • 1,443 Thanks
    Gary_Dexter
    If they won't pursue it they will write it off and zero balance it, but the default will remain.

    They will only remove the default if it is proved to be not yours
    • BBOA
    • By BBOA 13th Sep 18, 6:06 PM
    • 36 Posts
    • 2 Thanks
    BBOA
    Yes indeed it already has a zero balance and they weren’t actively pursuing it. My issue is I am now in a situation whereby my credit score has taken a beating for no good reason.
    • Gary_Dexter
    • By Gary_Dexter 13th Sep 18, 6:46 PM
    • 2,562 Posts
    • 1,443 Thanks
    Gary_Dexter
    No you’re not

    You’re credit score isn’t real so ignore it
    • BBOA
    • By BBOA 13th Sep 18, 9:13 PM
    • 36 Posts
    • 2 Thanks
    BBOA
    Thanks Gary, i fully understand what you have said previously re credit scoring, but aside from the score surely a default would negatively impact my ability to obtain credit.
    • Gary_Dexter
    • By Gary_Dexter 13th Sep 18, 11:12 PM
    • 2,562 Posts
    • 1,443 Thanks
    Gary_Dexter
    Yes it would
    • BBOA
    • By BBOA 14th Sep 18, 2:56 PM
    • 36 Posts
    • 2 Thanks
    BBOA
    And this is my point,
    • Gary_Dexter
    • By Gary_Dexter 14th Sep 18, 3:39 PM
    • 2,562 Posts
    • 1,443 Thanks
    Gary_Dexter
    What is?

    Your posts are too short and lacking information
    • BBOA
    • By BBOA 14th Sep 18, 4:27 PM
    • 36 Posts
    • 2 Thanks
    BBOA
    Sorry my point is that irrespective of credit scoring, and the fact my credit score has significantly gone down. Clearly a default does have a detrimental affect on my ability to obtain credit. So whilst I take on board what you and many other kind contributors have said about the irrelevance of a credit score. A default Does have an negative effect, one which isn’t warranted or particularly helpful at this point.

    Thanks Gary
    • Gary_Dexter
    • By Gary_Dexter 14th Sep 18, 4:30 PM
    • 2,562 Posts
    • 1,443 Thanks
    Gary_Dexter
    A default will have you viewed negatively by prospective lenders yes

    Ignore any scores or ratings from the CRA's
    • JimmyTheWig
    • By JimmyTheWig 14th Sep 18, 4:35 PM
    • 11,733 Posts
    • 11,305 Thanks
    JimmyTheWig
    A default Does have an negative effect, one which isnít warranted or particularly helpful at this point.
    Originally posted by BBOA
    Correct.
    Which is why Willing2Learn's post #26 is worth following.
    • BBOA
    • By BBOA 23rd Sep 18, 3:54 PM
    • 36 Posts
    • 2 Thanks
    BBOA
    Hi thanks,

    The saga continues.. I have again written to Lowell’s asking for proof of debt,

    However in a plot twist instead of responding to me regarding the incorrect default,

    They have written to me confirming they have now bought 3 more debts all pertaining the same address that I am disputing and all about 5 years ago. They obviously as they have received communication from are now chancing there arm. My concern is not so much the debt, because I k ow it isn’t me and when I first spoke to the CAB they educated me into unscrupulous way these companies can behave, my issue is at want point will or can they try and these accounts as defaults. It seems they have bought this debt all in the last year, and the dates are 4-5 yeras old. This is the first time they have written to me confirming the ownership of the debt. So I was just wondering if you had any advice as to how I stop these becoming defaults and getting Lowell to back off.

    Thanks in advance
    • nic_c
    • By nic_c 23rd Sep 18, 10:49 PM
    • 1,840 Posts
    • 961 Thanks
    nic_c
    The original creditors would have defaulted the account, Lowell just purchase defaulted debt. The default remains because they are not saying its not yours but that they are not pursuing it. If you moved out, didn't tell BGas or whoever moved in afterwards didn't tell BGas, or did but gave figures vastly different so that there has been unpaid for used energy, that could be the default.

    If you are saying that there is other debts, then maybe you need to challenge further. Is it a case someone who moved in afterwards continued to use your data, or is it a case you moved out and things have defaulted after you have left.
    • BBOA
    • By BBOA 24th Sep 18, 8:42 AM
    • 36 Posts
    • 2 Thanks
    BBOA
    Thank you so what are you saying that these 3 new debts that have appeared and Lowell are now writing to me about are already defaulted and will shortly appear on my credit file also?????

    This seems completely ridiculous that being the case.
    • Gary_Dexter
    • By Gary_Dexter 24th Sep 18, 9:35 AM
    • 2,562 Posts
    • 1,443 Thanks
    Gary_Dexter
    Why is it ridiculous?

    Do you owe the money?

    If so then they have all rights to report it against you
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