I would just like a bit of clarification,lowell has bought accounts off several mail order companies and have placed defaults on these with the cra's. I would just like to know the difference beetween the account start date and default date as i suspect that these defaults have not been applied in the proper way Thanks

just a quick update,recieved this through the post today,quite pleased really SCAN0015.pdf

I will send them a letter with regards to the removal of the default and see what reply i get,and then take it from there.

I might sounds tempting,but what would the chances of them actually paying up,me thinks quite slim.

How do i get the default removed

Can they still sell this debt onto another DCA

What letter do i write to get them to remove the default and how can i go about claiming compensation?

Well good news,recieved this letter today from HFO.:-DI would just like to thank everyone for their help which was very much appreiciated. PDFOnline.pdf

It is welcome recoveries dept that are sending the letter

Is this along the sort of lines i should be going,would appreiciate if anybody has got anything to add I have today spoken to welcome finance compliance department and also their recoveries department and they have informed me that the last payment on the above account was 28/05/04 which was for £70. I have enclosed a copy of the letter which they have sent confirming this. Why then have you seen fit to place a default on my credit file on the 01/05/06,nearly 18 months after the actual breach. I now request that the default be removed,as it was not applied to my credit file in a timely manner in relation to the actual breach as required by the OFT,s guidance,which is 6 months maximum from the date of the actual breach which was 28/05/04. If this removal is not actioned i will be making a claim for compensation and will again report this matter to the OFT and financial ombudsman

Well i have sent a SAR to welcome,and a cca request to HFO,so i guess ill just have to sit tight and wait for their reply,HFO have still not recieved or signed for the letter i sent back on the 3rd november.

So ill have to write to DLC to see when it was sold?

They have sent me a letter to say that the last payment was made on 28/05/04 for £70,as i no longer have the original agreements or records for that account i cannot cross reference.So DLC have sold it onto HFO.

I have just spoken to welcome finance compliance department,and they have told me that the last payment was made on this account on 28/05/04 for £70,not the 26/08/05 for £15 as originally stated,they have sent me a letter with all the information requested on,but as yet have not recieved it,so they are going to send me another one out.They also stated that the account was originally sold to DLC not HFO,i did ask why the default was put onto my credit file nearly a full 2 years after last payment and they seemed unable to answer that,can anyone tell me where i stand with regards to this and also the matter of welcome originally selling the debt to DLC not HFO.

hello DB and RHOS,how are we today?