Hi Caggers

Looking for some guidance relating to a old credit card debt which Lowells have purchased.

To cut to the chase

have put a marker on my credit file etc etc .

I have sent the prove it and CCA request ,

got a letter back to say unable to obtain docs we have decided not to pursue outstanding money !

Ok so far but

last paragraph goes on to say as we are required to record true and accurate information on our customers credit file any default will remain in place for six years !

Not happy with this and am going to send return letter stating for it to be removed as firstly it is not under default for the customer but Lowell

secondly any reporting will be misleading as it will not show a true reflection of the current condition of the account so do I have a case to have this removed ? Should I just go straight to the ICO ?

Thanks

if the credit entry is properly recorded then they are correct.

Lack of a CCA doesnt mean they must remove it.

It just means they cant chase it through the courts.

What are the dates on the entry ( please screenshot if possible),

and what was the actual date of default

and last missed payment that caused the default.

lowells didn't default the debt

the OC did upon sale

nothing lowells can enter will harm you more

as long as they don't change the defaulted date entered by the OC.

don't make yourself look a fool by complaining to anyone.

dx

if the credit entry is properly recorded then they are correct.

 

Lack of a CCA doesnt mean they must remove it.

 

It just means they cant chase it through the courts.

 

What are the dates on the entry ( please screenshot if possible),

and what was the actual date of default

and last missed payment that caused the default.

Acct start - 15/3/2012

Date of default - 7/2/2014-

Hard to say what missed payment caused this as the only entry on CF is Nov 2014 until this month

Last payment

This is for a Capital one CC by the way