Hi

My son has recently applied for a mortgage and has been turned down due to a default on his file which originally was Shop Direct which then defaulted and was sold to Lowell.

The amount was £371 and was paid off in full to Lowell in Oct 2013.

It is due to drop off his file in August 18.

I am trying to help him get this removed because I have read somewhere that usually if debts like these are passed to Lowell they are in some way unenforceable by the legal route.

Can anyone tell me who would I SAR so I can start digging to see if I can find anything and what would I look for?

Cant find any old paperwork even relating to this account but I have some emails relating to Lowell.

I have had dealings myself with Lowells and they are currently chasing me for an old debt with Provident and I was wondering if I cant help my son with getting the default removed by finding something untoward, then do you think I could use my debt as a bargaining tool to either remove the default from his file or transfer it to my name.

I would rather it be on my file for the next 9 months than his.

I know this is underhand but I dont think they are exactly saintly themselves.

Can anyone help with this please.

Thankyou

nothing you can do sadly.

shame he paid a fleecing DCA

that paid for someones nice Spanish holiday that year I bet.

£371 is a bit of a big sum to be all made of penalty fees unless the account is years old prior to 2013

so I cant see the point in an sar to get the statements from SD

next time you need to remember a DCA is NOT A BAILIFF

and has

NO LEGAL POWERS WHATSOEVER.

dx

Thanks for your reply

The account was 2010 and then defaulted in 2012 but in between time from what I can remember it was passed to NCR debt collectors? does this make any difference. Dont remember him ever getting a default notice either. What about the changing of the default name?

NCR are sD in house dca

an original creditor will default the debt

then when its sold

the debt buyers name replaces that of the OC.

nothing you can do sadly