Default has also disappeared from Experian, will check again in a few weeks as I have a feeling that Lowell will put another default in their place, possibly with new default dates. While Vodafone have confirmed the amount owed by Lowell is wrong, Lowell have sent another letter that still has the wrong amount. They have also failed to reply to my previous 2 letters I sent them. Only response I had was to an email I sent, they replied asking for my date of birth and that they couldn't discuss the account by email any further without the date of birth. I understand that they would need my date of birth for data protection, but is there a way they could use it against it me? Although I'm sure they would probably have it already. I have yet to send a SAR, I plan to do this after the weekend as funds are lacking at the moment.

Okay have a few developments... No response from Vodafone Customer Service, but this doesn't surprise me as they weren't interested in responding to my letters when my financial difficulties started. So I emailed the CEO and received a letter a few days later from the CEO's office. I don't know if it was just me, but I found the letter confusing although it did confirm that the amount I thought I owed was the correct amount and that the amount Lowell claims I owe was wrong. They also stated that they had no record of sending me a letter with the inflated amount on it (the letter was a Vodafone letterhead from their collections department). So either Vodafone haven't been honest that they have sent the letter or Lowell is sending out letters with Vodafone letterheads. The letter from Vodafone claims that the inflated amount was an administration error. I have also emailed Lowell, I received an email back saying that they won't communicate by email unless I give them my date of birth. I haven't received any letters from them. A friend advised me to check my credit report, she had a debt passed to Lowell a few year ago and the default for the original debt disappeared and was replaced with a new default from Lowell with a new default date. So I have checked my statutory credit report with all 3 agencies. There's nothing on Call Credit. The Vodafone default has disappeared from Equifax (wasn't due to disappear until 2022) but no new defaults have appeared and I'm still waiting on Experian. I'll check my credit reports again in a few weeks to see if there's been any funny business. I haven't yet sent a SAR as finances are a bit tight at the moment but this is something I'm planning on, I would love to know what they have on file. the advice I've received on here has been first class

Sorry for the delay in updating, everything seems to be going slowly at the moment. I've wrote a letter to Vodafone to see what they say. A quick search on Google would suggest that this isn't a one off and is something that happens often, makes me wonder how many people fall for it and pay more for their debts than they should. I also notice Lowell are no stranger when it comes to using underhand methods of debt collection.

Hi, the debt came around due to an unexpected business problem and break up of a relationship so my account with Vodafone defaulted. I ended up with a lot of other debts due to this too with HMRC, local council, bank etc. I have every letter I ever received from Vodafone since I first started a phone contract with them (I'm a bit of a hoarder when it comes to paperwork and documents). All the previous mail I've received from them has a balance of just over £1000, the final balance was made up of several months line rental for 2 phones and various other charges. Every letter I've received from them since then has this balance so I don't think interest or charges are being added. The default balance is the same of the final balance. I need to go through the paperwork again but I'm sure the balance on the default is correct. I can't understand how they have managed to double it when the contract with Vodafone is finished and defaulted. I'll get a SAR off to them this afternoon.

Hello all. A while back I defaulted on a Vodafone account, and now owe them a four figure sum. I haven't been able to clear the debt due to low income and focusing on priority debts. I can't remember if I received a default notice or not (the default is on my credit reports) but the amount that is in the letter of assignment is double than what is owed. The amount owed is on the default on the credit reports and the previous letters received from Vodafone, I'm 100% sure that the amount I was originally told I owed is correct. What I don't understand is that amount on the letter of assignment is exactly double of the true value of the debt. The default was placed in June last year so I can't understand why or how the amount owed can double in 9 months when the service was cancelled before June 2016. Can they legally double a debt when they sell it to Lowells? Any advice regarding this would be appreciated.

Hello, I checked my statutory credit report today as I do now and again. I have noticed there's a table 2 search which has Search Reason: Director Search Company: Ic: Lynx Express Limited I'm a director (the only director) of a Limited Company which has never traded and is dormant so I'm assuming the search has something to do with this although I do trade as a sole trader. Why would they be doing a search on me and who is Lynx Express Limited? The search was at the beginning of January 2017, I didn't apply for anything about that time and apart from my car insurance in November last year I haven't applied for anything in at least 7 or 8 months. Does anybody know what this search could be?

Thanks everyone for the advice, it really appreciated. I've sent them a letter with a copy of the letter from EE. Thank you.

I have a debt to EE which is in default and I've had for some time now. A month ago I wrote to EE with an offer of a full & final settlement which they say they couldn't accept but as an act of goodwill regarding my situation they would write off the outstanding balance. Just over a month later I receive a letter from Fredrickson International saying that their client has instructed them to collect the outstanding balance. I also notice that the balance they have on the letter is actually £45 higher than what was originally owed (no interest or charges were being added by EE - I can only assume that this is a charge that has been added on by Fredricksons. I have the letter from EE saying that the balance has been written off but would still remain on my Credit Report as a default. Do EE have the right to pass a debt on after sending a letter saying that the balance has been written off? Or are Fredrickson International trying their luck? I thought one less debt to maintain would allow me to focus on my priority creditors as I have a lot of debt and my business is dying off so very little income at the moment. Any advice regarding this situation would be greatly appreciated.

I'm not sure if I should be posting this here or in the debt forum, if I'm in the wrong place then please accept my apologies. I have a debt of £1500 to HMRC (my own fault I have the debt but I'm working hard to settle it). I was paying £10 a week to HMRC through my online banking, it's all I can afford. I'm self employed at the moment but my business is dying away, I have no way of recovering my business. I have been looking for full time work and there's no work available, I have however had an offer of full time permanent work from a company I used to work for but the job start date isn't until January. About 2 weeks ago HMRC passed the debt to a debt collection agency called Apex Credit Management who have since demanded the debt to be settled in full, I have no savings and my only asset is a car (which I need), I don't know the exact value of my car but it's not a lot, I bought it 4 year ago for a £1000. I wrote to Apex with an offer of £10 per week token payment but they refused as it's not a high enough offer, the letter said something about HMRC policy to have the account settled within 12 months. If I couldn't raise the token payment then they would hand the account back to HMRC for further enforcement. £10 a week is all I can genuinely afford, if I start this job in January I could have the remaining balance settled by about March. If I was to continue with the token payments, is it likely that HMRC would take further action while payments are being paid? What is the chance that they would automatically bankrupt me? I have a couple of other debts (1 priority and 1 non priority - both larger amounts than HMRC) who have all accepted the same token payment without any problems.