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enrico.balazar

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  1. OK thanks but as a last throw of the dice, I keep a reasonable eye on my CRA files, and I know that there has been no recorded activity at all (even when I was paying them) for this defaulted card and no default ever registered by Vanquis - So if I can prove this, then Lowell have acted improperly by registering a default in their name for an agreement that I never had with them? Thanks for your advice.
  2. Hmm, I think the settled card is a bit of a red herring - It's marked as settled in Aug 2009 when I did a balance transfer between my old Vanquis card and the new Vanquis card that then defaulted.(different account numbers) However since the settlement in 2009 the has been no record of ANY vanquis transactions on my CRA's - its as if I never has the new card! Hence my query about Lowell adding the default now Cheers
  3. Sorry - Just realised it said 2012!. Old age creeping in So, Its OK for Lowell to show that I have a default with them even though I never had a default registered by Vanquis? I only started paying Lowell about 4 months ago and have not missed any payments with them (if that makes any difference) Cheers
  4. I've never mentioned April 2012 ! I edited post 11 for date accuracy. Simply put, the default has never showed on my CRA files until May 2013 when it has been added by Lowell with a default date of 30th April 2013. Account type Credit Card Account number ************9415 0 Account start date 24/07/2008 Opening balance £ 3,522 Repayment frequency Monthly Date of default 30/04/2012
  5. The default is dated 30th April 2013 and has just shown up on my CRA files for May 2013. Cheers
  6. Yes, the Vanquis account and default was never on my CRA files, but I now have a default with Lowell that shows as a credit card default. Cheers
  7. I knew I'd ready something somewhere (From Lowells website) . It is likely that your original creditor will have registered a default with regard to the outstanding debt on your credit file. When the account is purchased by us, we are legally required to transfer the default into our name. So if there was no registered default by Vanquis - then Lowell cant add a default as long as I am within my agreement with them ? Who do I contact, Lowell or the CRA's ? Cheers
  8. Thanks for the quick replies, I originally defaulted with Vanquis about 12 months ago, But there has never been ANY record of my account with them with the CRA's (I started with a standard Vanquis card then was upgraded to a Gold Card- at this time the original card shows as settled and then nothing else from Vanquis has ever shown on the CRA's reports) I decided to start paying Lowell about 4 months ago (through choice, I owe the money so should pay it back somehow) and a default has appeared on my CRA for May of 2013. Yes I did have a letter of assignment etc and it does relate correctly to what I owed vanquis. Cheers
  9. Hiya, I am currently paying Lowell for a defaulted vanquish credit card debt. (No issues there really, I owe it and pay less to Lowell than vanquish with no interest) However Lowell have now decided to add that I am in default with them via the credit reference agencies. (I have nothing relating to the original Vanquis default on any CRA file) Can Lowell say that I am in default with them even though I pay and am up to date when actually I was in default with Vanquis ? Hope that makes sense? Cheers
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