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olliekhan

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  1. Hi, I'm new around here! Looking for some advice regarding a debt I have with Lowell. In 2013 I left a property I was renting, BT contacted me about a month before I left saying that the new tenants would like to take over the service and wanted to know if I was happy to do this. As I was moving to a shared house, I couldn't take the service with me and agreed. A few months later, I got a bill for £599 from BT for the rest of the service that I had cancelled early. After a few phone calls where they continued to ask me to pay the bill I sent them a letter stating the above information and that I didn't want to pay. After this, I didn't hear anything about it and presumed that they had wiped it. Then around a year ago, I started receiving letters from Lowell saying that they have taken over the debt from BT and need to collect. I ignored the letters for a few months, until they started putting defaults on my credit file. As soon as this started, I contacted them and set up a payment plan as I was unable to pay the full amount. I have been paying a nominal amount for the past 6 months but Lowell continue to put a default on my credit file. I called them to ask why, as I am making payments. I can't remember the exact wording, but it was something along the lines of because it is not an active debt like a credit card they are able to default me every month until the debt is paid in full. Are they allowed to do this? I'm only paying a small amount on the debt, it could take a long time to clear, meanwhile my credit rating is dropping all the time.
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