Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Lowell incorrect CFR default date - creation finance debt **WON+COMPO**

    Hi I have had an old debt with creation finance now managed by Lowell

    Lowell have confirmed that the last payment was in May 2011 but the default on my credit report is aug 2013, I would have thought it should of been between Aug and Nov 2011 under the 3-6 mth rule

    Lowell are refusing to change the default date and they are also saying its not stat barred as the default was registered in 2013

    Now I know they are talking the preverbial bull about it not being stat barred but how do I go about forcing them to change the default date?

    cheers


  2. #2
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    Default Re: Lowell incorrect default date

    Ha ha ha good old Lowlifes, how they continue to operate, least of all be solvent, is anyones guess!?


    Which CRAicon is reporting dud info?


    Inform the CRAicon in writing, that they are processing inaccurate data and to correct it.


    As for lowlifes, you could submit them a lbaicon giving them 7 days in which to correct the entry, failing which you will issue a claim against them for defamation and sue them for a four figure sum.


  3. #3
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    Default Re: Lowell incorrect default date

    thanks Boo

    its all 3 agencies

    ive already been onto them and they are just saying they are reporting what they are told and to contact Lowells


  4. #4
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    Default Re: Lowell incorrect default date

    any idea on the layout of a lbaicon as I have just spoken to them, recorded of course, and they are point blank refusing to investigate it never mind changing the date

    Ive had enough of this sharks


  5. #5
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    Default Re: Lowell incorrect default date

    I was thinking along the lines of -

    Dear Sir/Madam,

    I herby give notice that unless the default date on account number xxxxxxx is changed to a date within the 3-6mth period after xxx May 2011, within 7 days I reserve the right to issue Court proceedings against your company for defamation of character and also claim a four figure sum in damages.

    Regards

    xxxxxxx

    Just for info this would be lodged in Northern Ireland.

    Who would I address this to?


  6. #6
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    Default Re: Lowell incorrect default date - creation finance debt

    moved to the creation finance forum
    nothing to do with lowells or the CRAicon's
    write to the OC and complain creation finance
    a DCAicon cannot default a debt


  7. #7
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    Default Re: Lowell incorrect default date - creation finance debt

    Thanks DX, have sent compliant to creation


  8. #8
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    Default Re: Lowell incorrect default date - creation finance debt

    Here the account statement showing last payment date-

    Attached Files

  9. #9
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    Default Re: Lowell incorrect default date - creation finance debt

    usual letter then as before
    write inc that give them 14 days to recify the defaulted date else a formal complaint will be raised with the ICOicon ad financial compensation sought


  10. #10
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    Default Re: Lowell incorrect default date - creation finance debt

    Heres a copy of the CCA and T&C's they sent me

    Looks to me like the T&C's are wrong as they look to be about insurance

    Ive sent the complaint to Creation and also a SARicon under GDPRicon

    So will wait to see what they come back with ref the default

    Anyone got any comments on the attached?

    Cheers

    Jon

    Attached Files

  11. #11
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    Default Re: Lowell incorrect default date - creation finance debt

    Creation Finance is mainly for Car Insurance.


  12. #12
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    Default Re: Lowell incorrect default date - creation finance debt

    Thanks Andy but this was a credit agreement for a bed from dreams

    So in my eyes itís the wrongs t&cís

    Am I right In thinking that?


  13. #13
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    Default Re: Lowell incorrect default date - creation finance debt

    You are indeed


  14. #14
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    Default Re: Lowell incorrect default date - creation finance debt

    Thanks Andy


  15. #15
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    Default Re: Lowell incorrect default date - creation finance debt

    Well ive received the SARicon from creation

    nothing really new in it apart from copy letters they sent to me

    As per the CCA the main thing about it was the last payment was in May 11 but they didn't default me until Aug 13 so over 2 years from last payment to default

    Also they didn't send any letter about arrears until 24/04/13 which is again almost 2 years after the last payment

    I phoned Creation for an update on the complaint and have been told its in the queue to be looked at


  16. #16
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    Default Re: Lowell incorrect default date - creation finance debt

    so you/ve found a record of the default in the SARicon comms/account log?


  17. #17
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    Default Re: Lowell incorrect default date - creation finance debt

    Yes mate

    Itís the LEPTERM line on the above screenshot


  18. #18
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    Default Re: Lowell incorrect default date - creation finance debt

    send them proof of last payment may 11
    give them 14 days to correct the defaulted date mistake [tell them the dates etc]
    else you'll open a serious complaint with the ICOicon and seek financial compo.


  19. #19
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    Default Re: Lowell incorrect default date - creation finance debt

    is that to creation or Lowell?

    ive already got a complaint open about it with creation


  20. #20
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    Default Re: Lowell incorrect default date - creation finance debt

    creation
    only the OC can register defaults
    not some powerless DCAicon.



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