Lowell have removed the default and it is no longer showing on my credit file.
I found some useful info on another forum to raise a complaint with Lowell , request default removal to resolve the complaint and they did it. Removed it completely and I never paid them a penny - result!
When raising the complaint I told them that I would be requested a copy of the original credit agreement and a copy of the original default notice from O2.
Lowell advised;
I write further to our telephone conversation earlier today.
Thank you for your recent contact and for letting us know about your concerns.
As we discussed, the above account is now closed with a zero balance. I have also removed all information pertaining to this account from your credit file. Please allow up to 10 working days for these changes to update.
I am sorry that you were unhappy with the service we have provided and I hope that we have now resolved the matter to your satisfaction.
The Dispute Resolution Ombudsman also provides a dispute resolution service to assist customers who feel their complaint remains unresolved.
You have the right to refer your complaint to the Dispute Resolution Ombudsman, free of charge – but you must do so within 12 months of the date of this letter.
If you do not refer your complaint in time, the Ombudsman will only be able to review your complaint in very limited circumstances. for example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.
For more information on their services, you can visit their website at ...removed.
Please let us know if you would like a copy of the Dispute Resolution Ombudsman leaflet sending out by post.
Yours sincerely
Keith Jeffery
Customer Relations Officer