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  • FIRST POST
    • welly_59
    • By welly_59 31st Jul 18, 3:00 PM
    • 88Posts
    • 49Thanks
    welly_59
    Hutchinson 3 UK Default: Wont take my money!
    • #1
    • 31st Jul 18, 3:00 PM
    Hutchinson 3 UK Default: Wont take my money! 31st Jul 18 at 3:00 PM
    I have 2 defaults on my credit record from Hutchinson 3 UK which i am having massive difficulties resolving.

    On Experian they both have an outstanding balance. I have called 3 who have stated that there is no outstanding balance, but that it has been written off as "bad debt". Apparently it went to a DCAicon May 2017, who then sent it back to 3 at some point in November 2017 as uncollectable. It was uncollectable as i had move out of that address 4 years ago......basically when i moved i called 3 and asked my my address to be changed. Obviously that didnt happen, and then beginning of last year i called to cancel my contract(outside of terms, i had been with them for 4 years). The last bill i never recieved as the address on the account hadnt been changed. Whatever though, thats not really the issue.

    The last week i have been trying to make payment for the arrears to get it marked as settled on my credit report. Three wont take payment as its been written off, and the debt agency it went to apparently hold no records as it was returned to 3 over 6 months ago.

    Just looking for some advice on how to get this resolved? I've raised a complaint but need to wait until they respond at this point.

    What i want is for the default balance on my credit file to be a big fat 0. If three are unable to take payment off me so i can clear it, then i would like them to report it as being 0 if they have written it off
Page 1
    • Gary_Dexter
    • By Gary_Dexter 31st Jul 18, 3:20 PM
    • 1,725 Posts
    • 997 Thanks
    Gary_Dexter
    • #2
    • 31st Jul 18, 3:20 PM
    • #2
    • 31st Jul 18, 3:20 PM
    Raise a complaint to Three - as you have done.

    Wait for their response - as you have done.

    If they remove it then great.

    If not you could escalate to the Ombudsman or ICO.
    • sparkey1
    • By sparkey1 31st Jul 18, 4:38 PM
    • 424 Posts
    • 181 Thanks
    sparkey1
    • #3
    • 31st Jul 18, 4:38 PM
    • #3
    • 31st Jul 18, 4:38 PM
    You cant pay off a debt that has been written off, it does not exist, but the default does.

    On Experian, your report will have a contact address (maybe a phone number) for the department responsible for updating credit files at the company. Speak to them, not the customer service people.

    I suspect they will need to reopen your account, apply a debt, take your payment and then close again. It might be possible.
    • welly_59
    • By welly_59 31st Jul 18, 4:49 PM
    • 88 Posts
    • 49 Thanks
    welly_59
    • #4
    • 31st Jul 18, 4:49 PM
    • #4
    • 31st Jul 18, 4:49 PM
    I have no issues with the default. I just want to satisfy it so I can put it behind me
    • sparkey1
    • By sparkey1 31st Jul 18, 4:54 PM
    • 424 Posts
    • 181 Thanks
    sparkey1
    • #5
    • 31st Jul 18, 4:54 PM
    • #5
    • 31st Jul 18, 4:54 PM
    But it wont satisfy as the account has been closed. Therefore it you try what I suggest you might get somewhere.
    • welly_59
    • By welly_59 31st Jul 18, 5:33 PM
    • 88 Posts
    • 49 Thanks
    welly_59
    • #6
    • 31st Jul 18, 5:33 PM
    • #6
    • 31st Jul 18, 5:33 PM
    That is exactly where this is going wrong. They have to provide the opportunity to settle the debt
    • welly_59
    • By welly_59 1st Aug 18, 3:23 PM
    • 88 Posts
    • 49 Thanks
    welly_59
    • #7
    • 1st Aug 18, 3:23 PM
    • #7
    • 1st Aug 18, 3:23 PM
    24 hours later I have received an automated response stating they aim to respond within 4 days. Lets wait until next tuesday then
    • sourcrates
    • By sourcrates 2nd Aug 18, 12:38 AM
    • 14,881 Posts
    • 13,960 Thanks
    sourcrates
    • #8
    • 2nd Aug 18, 12:38 AM
    • #8
    • 2nd Aug 18, 12:38 AM
    That is exactly where this is going wrong. They have to provide the opportunity to settle the debt
    Originally posted by welly_59
    If its been written off, its gone for good.

    You must follow the correct complaints process and escalate to the ICO if unsuccessful.

    You will still have the default whatever happens, may as well just save your money.
    Last edited by sourcrates; 02-08-2018 at 12:40 AM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • welly_59
    • By welly_59 2nd Aug 18, 7:39 AM
    • 88 Posts
    • 49 Thanks
    welly_59
    • #9
    • 2nd Aug 18, 7:39 AM
    • #9
    • 2nd Aug 18, 7:39 AM
    I will have the default, I understand that. My issue is the default has a value attached to it but I have no way of paying it off.

    The reason I want to do this as a couple of potential mortgage lenders have stated they will accept the default on my credit report but only if it has been satisfied and has a zero balance attached to it.

    3 need to give me the opportunity to make that the case
    • sourcrates
    • By sourcrates 2nd Aug 18, 10:24 AM
    • 14,881 Posts
    • 13,960 Thanks
    sourcrates
    I will have the default, I understand that. My issue is the default has a value attached to it but I have no way of paying it off.

    The reason I want to do this as a couple of potential mortgage lenders have stated they will accept the default on my credit report but only if it has been satisfied and has a zero balance attached to it.

    3 need to give me the opportunity to make that the case
    Originally posted by welly_59

    That is a reasonable request, but as 3 have washed there hands of the debt, you should be able to get them to amend your credit file without having to pay it.


    As said before, if you do not get anywhere with 3 after exhausting there complaints procedure, escalate to the ICO.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • welly_59
    • By welly_59 2nd Aug 18, 10:56 AM
    • 88 Posts
    • 49 Thanks
    welly_59
    thats what i plan to do. Currently going through the complaint process using the resolver.co.uk website
    • welly_59
    • By welly_59 7th Aug 18, 3:52 PM
    • 88 Posts
    • 49 Thanks
    welly_59
    so a week after submitting my complaint i get a canned response asking for my account numbers, addresses etc. Which i had already included in my initial complaint email...

    Doesnt bode well for this actually getting resolved to my satisfaction
    • welly_59
    • By welly_59 9th Aug 18, 9:28 AM
    • 88 Posts
    • 49 Thanks
    welly_59
    I received a call from 3 this morning regarding this complaint. Had to go through all the details again, including giving my OLD postcode for the millionth time as they still havent changed my address.

    This time the assistant stated the debt had been sold to Lowell in 2017. This is the first time i have been told this, first i was told it was written off, then it was with past due collections, now its with Lowell....

    Funny thing is i called Lowell a month ago to sort out payments on another issue. Asked them to check my current and previous address for any issues and was told they had nothing else recorded against my name or addresses.

    If its indeed been sold to Lowell i asked the agent why are 3 still reporting the debt to the CRA's, and not Lowell, He had no answer.

    I quoted the transcript of an earlier recorded call i had from a colleague of his, whereby the agent stated that 3 had recorded a credit to the account and that no money was due to 3 or to a 3rd party. He declined to comment.

    At this point the agent stated his full and final resolution to my complaint was that i had to contact lowell directly, and that 3 would send a letter to my home address stating this as their full and final resolutuion. Guess what address they are going to send it to? yep, my old address....

    At this point where do i go from here? I'm never going to get this f&f resolution letter, but can i now go to the ombudsman as three state they have closed the complaint?
    • welly_59
    • By welly_59 9th Aug 18, 4:22 PM
    • 88 Posts
    • 49 Thanks
    welly_59
    Iíve submitted a notice of dispute to the cras and an sar to 3. Letís see what happens next
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