Thanks for this, i emailed them today and they have said since the account had been receiving payments in the last 12 months it is now classed as a live account in dispute until they find the original agreement and therefore they wont be removing it. I have contacted experian today as i have protect my id who confirmed to me they are not processing accurate and true data and therefore i should contact the ICO to make a formal complaint, can you please tell me how i would go about this, is there anything specific i need to be putting in it Thanks in advance

Hi, Wonder if someone could give me some advice. I had an egg account which i defaulted on in 2006, debt bought by lowell whom i was paying monthly until CAG showed me the error of my ways. I sent a letter to Lowell asking for copies of original agreements and balance statements which they could not provide. Lowell sent me a letter in July 2014 stating they would close my account and not bother me in future unless they provided an original copy of my signed agreement. Upon checking my credit profile today Lowell have added an account on there with a date of 2005, this was the original defaulted account from Egg that dropped of my profile in 2012 after 6 years was completed. My question now is what do i do next, this is the second time they have done this since the default expired, surely i cant keep being penalised on my credit report by them indefinitely just because they cant provide the information i requested. Any advice would be welcome, Lowell seem to think they are a law unto themselves here Thanks

Thanks Bazooka you have been a great help George. .how would i go about claiming the DD back? Would i just need to write to my bank outlining the issue, and how i believe not to have owed the money i have been paying? Dx100uk.. .i find your attitude and contempt for my post astounding!! I came on here looking for guidance as thousands of others do who are in a similar position? For someone who purports them self to be a crusader on consumer rights and their debt issues you have really let yourself down here. ..is it not cold in your ivory tower this evening??!! As my dear old mom used to say, if you cant say anything nice, best not to say anything at all

Thanks Bazooka Boo, I have checked all three and its not on any of them, Egg did duplicate the default in 2012 but i complained to experian who got them to remove the duplicate default. if i now cancel the DD now what happens next, will they try for a ccj on the account? The reason i queried is due to them overstating the balance, i thought the balance was 3000 and have paid more than that over the ladt 5 years, they then sent me a balance of ovet 5k outstanding i asked for statements and cca and this us their response, do i now just file the letter away and stop paying until they can prove the amount they allege i owe them? Sorry new to all this but feel they have held all the aces until now

Hi, 1st time post on here after reading from afar, i had a debt sold from Egg to Lowell which i have been paying back at reduced payment every month, i never knew balance after reading on here sent a cca request. They sent two letters stating they have requested the request from their client and are awaiting a response. They have sent a further letter now stating: Dear....... Your credit agreement We refer to your recent request for a copy of the original credit agreement for this account. After liaising with Egg in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened with you. We are closing your account At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from Egg. This was from an account taken out in 2004, i need to know is what happens now, i have a DD set up with them for £50 per month, do i now cancel this? The default is no longer on my credit profile as dropped off after the 6yr timescale, can they default me again for the same loan? My profile is clean now and i want to apply for a mortgage, i dont want to trash my credit profile by stopping the DD, not really sure what to do, any advice would be welcome!!