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    • majestix
    • By majestix 14th Jan 20, 11:21 AM
    • 20Posts
    • 4Thanks
    majestix
    Default for 19 - Three/Lowell
    • #1
    • 14th Jan 20, 11:21 AM
    Default for 19 - Three/Lowell 14th Jan 20 at 11:21 AM
    Just received a letter from Three saying a sum of 19 has been transferred from them to Lowell debt collection, which has left me a little surprised and angry.

    I think it's to do with me transferring my mobile number from Three to Vodafone and rather than Three taking out the remaining balance out via Direct Debit as I would've expected, they've sent me a request to pay via letter - one letter which I overlooked because I thought they'd just round it up on my last payment debit my account as was previous, this was around a year and a half ago.

    Now I've got this letter saying Three have defaulted my Credit file for 19 and the debt has been passed to Lowell, which is crazy, my file is pretty much spotless and I'm stunned it's going to be wrecked over 19 quid.

    Any advice appreciated before I call Lowell (and probably Three)..

    Thank you!
Page 1
    • BoGoF
    • By BoGoF 14th Jan 20, 11:50 AM
    • 5,893 Posts
    • 5,955 Thanks
    BoGoF
    • #2
    • 14th Jan 20, 11:50 AM
    • #2
    • 14th Jan 20, 11:50 AM
    Be angry at yourself for 'overlooking' the letter.

    Be nice and apologise.....you are relying on goodwill here.
    • Jumblebumble
    • By Jumblebumble 14th Jan 20, 12:33 PM
    • 572 Posts
    • 224 Thanks
    Jumblebumble
    • #3
    • 14th Jan 20, 12:33 PM
    • #3
    • 14th Jan 20, 12:33 PM
    Just received a letter from Three saying a sum of 19 has been transferred from them to Lowell debt collection, which has left me a little surprised and angry.

    I think it's to do with me transferring my mobile number from Three to Vodafone and rather than Three taking out the remaining balance out via Direct Debit as I would've expected, they've sent me a request to pay via letter - one letter which I overlooked because I thought they'd just round it up on my last payment debit my account as was previous, this was around a year and a half ago.

    Now I've got this letter saying Three have defaulted my Credit file for 19 and the debt has been passed to Lowell, which is crazy, my file is pretty much spotless and I'm stunned it's going to be wrecked over 19 quid.

    Any advice appreciated before I call Lowell (and probably Three)..

    Thank you!
    Originally posted by majestix
    I thought the same as you that as 3 had a direct debit they would take the money.
    Carphone sent me a similar letter when i moved with a demand of 20 even though they had a DD mandate, amusingly saying if I could not afford it they would accept staged payments

    it is an interesting question as to why a company who have a dd mandate should be allowed to default if they do not take the money and personally I think this behaviour is disgraceful.
    ( I suspect they cancelled the DD when the account got closed and did not tell the OP as some energy companies do)
    in practice I would be be nice initially but if they don't play ball become very noisy
    • majestix
    • By majestix 14th Jan 20, 12:50 PM
    • 20 Posts
    • 4 Thanks
    majestix
    • #4
    • 14th Jan 20, 12:50 PM
    • #4
    • 14th Jan 20, 12:50 PM
    Be angry at yourself for 'overlooking' the letter.

    Be nice and apologise.....you are relying on goodwill here.
    Originally posted by BoGoF
    No issue with apologising, I just think to send me a separate bill when I'd been paying via D/D is an 'ar.se about face' way of dealing with parting customers. Appreciate 19 is owed but to default a customer of 10+ years over such a petty amount is laughable.


    I thought the same as you that as 3 had a direct debit they would take the money.
    Carphone sent me a similar letter when i moved with a demand of 20 even though they had a DD mandate, amusingly saying if I could not afford it they would accept staged payments

    it is an interesting question as to why a company who have a dd mandate should be allowed to default if they do not take the money and personally I think this behaviour is disgraceful.
    ( I suspect they cancelled the DD when the account got closed and did not tell the OP as some energy companies do)
    in practice I would be be nice initially but if they don't play ball become very noisy
    Originally posted by Jumblebumble
    Appreciate the feedback Jumble, my situation and thoughts too.

    Anyone have an idea where to start? Three or Lowell?
    • Willing2Learn
    • By Willing2Learn 14th Jan 20, 2:00 PM
    • 5,194 Posts
    • 4,837 Thanks
    Willing2Learn
    • #5
    • 14th Jan 20, 2:00 PM
    • #5
    • 14th Jan 20, 2:00 PM
    Be nice and apologise.....you are relying on goodwill here.
    Originally posted by BoGoF
    Yup. I reckon it might be possible to resolve this over the phone, stating it was an oversight, that the account is now settled, and by being really humble, polite and apologetic. You could request a goodwill gesture, in that they remove the default marker from your file.

    If you don't ask, you don't get!!!
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • majestix
    • By majestix 14th Jan 20, 2:14 PM
    • 20 Posts
    • 4 Thanks
    majestix
    • #6
    • 14th Jan 20, 2:14 PM
    • #6
    • 14th Jan 20, 2:14 PM
    Yup. I reckon it might be possible to resolve this over the phone, stating it was an oversight, that the account is now settled, and by being really humble, polite and apologetic. You could request a goodwill gesture, in that they remove the default marker from your file.

    If you don't ask, you don't get!!!
    Originally posted by Willing2Learn
    With Three or Lowell? Lowell have the debt after all.

    For what it's worth, I currently don't have the default on my file but would expect it to pop up in the next month or so..

    Thanks.
    Last edited by majestix; 14-01-2020 at 2:18 PM.
    • Willing2Learn
    • By Willing2Learn 14th Jan 20, 2:29 PM
    • 5,194 Posts
    • 4,837 Thanks
    Willing2Learn
    • #7
    • 14th Jan 20, 2:29 PM
    • #7
    • 14th Jan 20, 2:29 PM
    You have said that 3 has sent you letter saying they have defaulted the account. So I would phone them.

    However Lowell basically bulk buy "bad debts" off companies like Three and buy the account for a few pence in the pound. So, in theory, they should also record a default against you. So I would phone them too.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    • BoGoF
    • By BoGoF 14th Jan 20, 2:35 PM
    • 5,893 Posts
    • 5,955 Thanks
    BoGoF
    • #8
    • 14th Jan 20, 2:35 PM
    • #8
    • 14th Jan 20, 2:35 PM
    Whatever you think about it, they did send you a bill, it's not like they didn't give you a chance to pay it. That would be 'disgraceful'.

    They probably get lots of people ending their contracts who also cancel the D/D so they can't win.

    For reasons only you can explain you didn't pay it. What does it take for an amount not to be 'petty'.
    • dekaspace
    • By dekaspace 14th Jan 20, 2:53 PM
    • 5,258 Posts
    • 5,015 Thanks
    dekaspace
    • #9
    • 14th Jan 20, 2:53 PM
    • #9
    • 14th Jan 20, 2:53 PM
    Whatever you think about it, they did send you a bill, it's not like they didn't give you a chance to pay it. That would be 'disgraceful'.

    They probably get lots of people ending their contracts who also cancel the D/D so they can't win.

    For reasons only you can explain you didn't pay it. What does it take for an amount not to be 'petty'.
    Originally posted by BoGoF
    I once had a debt collector threaten to take me to court for 1 ! It must of been auto generated and another for about 3.42.
    • adindas
    • By adindas 14th Jan 20, 3:08 PM
    • 4,362 Posts
    • 2,835 Thanks
    adindas
    No issue with apologising, I just think to send me a separate bill when I'd been paying via D/D is an 'ar.se about face' way of dealing with parting customers. Appreciate 19 is owed but to default a customer of 10+ years over such a petty amount is laughable.

    Appreciate the feedback Jumble, my situation and thoughts too.

    Anyone have an idea where to start? Three or Lowell?
    Originally posted by majestix
    I fully agree with you defaulting people for the fee of 19 is harsh, especially if they know this is the fist time happening. They should have done more effort to contact you before they record a default.

    In my personal experience, and from what I have read here if it is already recorded on your credit file it is extremely unlikely they will remove the default from the credit file.

    If there is fee such as late payment from credit card, the creditors / lenders are more likely to refund that fee, but not the default if it is already recorded.
    Last edited by adindas; 14-01-2020 at 3:31 PM.
    • fizzy123
    • By fizzy123 14th Jan 20, 4:40 PM
    • 4 Posts
    • 0 Thanks
    fizzy123
    I got defaulted for 49, still haven't paid it off, its been 5 years. Would of paid it off it if was my fault, but because it wasn't, they won't be getting a penny. Contacted them multiple times saying it was wrongly put on my account they denied it. But my 49 default didn't go to any debt collection agency.
    • johnsmith1890
    • By johnsmith1890 14th Jan 20, 8:23 PM
    • 595 Posts
    • 475 Thanks
    johnsmith1890
    You've got to laugh - or more likely cry - when you read this sort of outrageous stuff. How many times have we been told on this board to never cancel a DD when moving phone or utilities supplier, because they use it to take your final payment and you are therefore safeguarded against an accidental default. No matter. This is precisely the advice adopted by the OP yet he ends up with a default for a trivial amount that could, potentially, deny him getting a mortgage. It's an iniquitous situation brought about by a total lack of control applied to the CRAs and their customers.


    Here's what needs to happen:
    1) utilities and phone suppliers banned from CRA reporting
    2) debt collecting companies banned from any interaction whatsoever with CRAs


    On point one, at least as far as phone companies are concerned; how many now offer deals where all payments are upfront (unlimited calls, data, texts etc) but where they still report accounts to the CRAs?


    On point two, as a consumer you have agreed to the original NAMED creditor interacting with the CRA, but you did not agree to their normally unspecified DCA doing the same.
    • jmc1976
    • By jmc1976 14th Jan 20, 8:59 PM
    • 2 Posts
    • 0 Thanks
    jmc1976
    Could you contact 3 and try to negotiate removal of the default on the grounds that you return to them. I wouldn't put it past them to agree to do this. Also suggest that you are considering refering a complaint to the Ombudsman.
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