There was nothing in the post again this morning, Fred's and Carter's have definitely backed off now it's been 2 weeks and I still haven't had a reply.

Just remember, freds and carter get legal threats all the time. You should NEVER issue them a threat unless you are prepared to follow it through immediately and in full.

I haven't given them a threat yet, this was about them saying they were going to issue proceedings last Monday. If I do threaten a complaint I will certainly follow it through if they don't remove the default.

Brigadier....is Sara De Tute the right person to send the aforementioned letter to or is there a more suitable person/department I should be writing to?

Bartle is the CEO if I remember correctly

Is he going to concern himself with something like this or just throw it away?

Bartle is Ops Director, de Tute is Legal & Compliance director.

send complaints to de Tute.

Thanks Brigadier, do I just use the normal Lowell address?

Thanks Brigadier, do I just use the normal Lowell address?

The Lowell Group

Enterprise House

1 Apex View

Leeds

LS 11 9 BH

Never use PO Box Nos. letters don't get signed for.

Hi Brigadier,

I am just composing my letter for Ms de Tute....do you have any pointers that I may want to include?

Just thought I would update for those who might care.

Lowells tried to palm me off with half-baked excuses and

when I provided proof that their claims were completely false

they panicked and removed the default.

It was gone less than 24 hours later.

Excellent news, thank you for updating your thread You might want to keep an eye on your credit files for just a little while longer !

Excellent news, thank you for updating your thread You might want to keep an eye on your credit files for just a little while longer !

Why, do you think they might put something back on there?

It wouldnt be unheard of for a default to be removed, only for it to be put back again !

I don't think that's going to happen somehow, they backed themselves into a corner and had no option to give me what I wanted so I didn't proceed with the complaint. They gave me the usual nonsense about how there is nothing they can do and then they rang me back 30 minutes later and said they had removed the default. Seemed to me like they took it higher up and someone realised they would be in trouble and told them to give me what I want.

Fair enough

Excellent result Nottingham, as CB has said it is not unknown for duplicity to play a part in this sort of situation, but given the duff accounts Lowell have been chasing in recent time it is highly unlikely to reappear.

It is good to see Lowell coming unstuck so frequently.

If lowells create phantom payments for people they should see it as a blessing in disguise.

She even said that the account isn't barred because it's the default date

but they are going to close the account as a gesture of goodwill.

Seems these guys really are scared of the OFT finding out about their methods.

A credit card debt is an unsecured account so the default date has nothing to do with the SB clock calculation,

the date of the last payment and or written acknowledgment is what matters, Lowell just wont admit it.

Complaints now go to the FCA, the OFT is no more.

I don't think they had any confidence in it being the default date, I said it's the date of last payment but they said it's not be we are going to close the account as a gesture of goodwill anyway. Usual nonsense from Lowell's.

Lowell will never admit that it has messed up or misinterpreted guidance/legislation it seems it is intent on "spoofing" alleged debtors in the hope that they don't know what is right.

The more times they lose the better!