Thanks I will try that, Ive have written to Lowells so many times asking for this, but they hav'nt got any proof only copies of a few old bank staemants and some DD mandates. It dos,nt seem to make any difference what you say to them, they seem to be a law unto themselves!!!. Ive Tried the CRA whs say they do not have the power to remove it. The ICO are also adament that as long as there is evidence the entry is valid. I will try flashes reponse but failing that. I just do not know where to go from here,it seems I have very little say in the matter, which cannot be right!!

Can anyone help me. I have a disputed default on my credit report from Lowell Financial and to cut a long story short i asked them for a CCA they replied saying,that after liaising with there client in an effort to obtain this document we have been advised that it is no longer available. Under the circumstances,we have closed our files in relation to this account,which has now been returned to our client.we can confirm that no further contact will be mad by us regarding this accout.Great!! But now they are refusing to remove the default from my credit report,which will be statute barred in 2010!!. I have treid the ICO but they will not remove it, beacause there is evidence that the debt exists, by way of a few bank statements.hardley proof!.the only way they would remove it is if I had proof I paid it,but yet they have no CCA!. I feel if the debt is not enforceable and Llowells have closed the files on it,surely, if its on my credit report thats enforcement in itself. I called The OFT who seem to agree with me,where do I go from here?

should be no longer exists!!

Hi can someone please tell me what to try next, I have a letter from Lowells saying that my CCA longer exists and they are closing the files on my alleged debt,but Lowells are still refusing to remove the default from my credit report, Ive tried the imformation commissioner but with no joy!!, surley if the debt is unenforcable then it should not be on my credit report!

Hi,On checking my experian credit report,I saw that I had a default from Lowell Portfolio 1 ltd, after advice from this site,I wrote to them in early may asking for a copy of the original CCA and proof that I owe the debt. They wrote back to me 10 days later saying that they are requesting a copy from the original lender and will do their best to provide it in the prescibed time!. A month and a half later,well outside the prescibed time,I received a letter saying that following your recent request to be provided with a copy of the original credit agreement in respect of the consumer credit act. After liaising with our client in an effort to obtain this document we have been advised that it is no longer available. Under the circumstances we have closed our files in relation to this account which has now been returned to our client. we can confirm that no further contact will be made by us regarding this account. we trust this clarifies matters for you. I then called experian to ask them to remove the entry on my credit report,who then contacted lowell and they were told that they have no intention of removing the entry and they would only remove it if the debt was paid,they say that although they have no cca they believe the debt is valid,they also told experian that I admitted the debt, which I never have.Experian have told me to contact the information commissioner,which i am now doing. Does anyone else have any ideas where I should go to now.

Hi,On checking my experian credit report,I saw that I had a default from Lowell Portfollio 1 ltd, after advice from this site,I wrote to them in early may asking for a copy of the original CCA and proof that I owe the debt. They wrote back to me 10 days later saying that they are requesting a copy from the original lender and will do their best to provide it in the prescibed time!. A month and a half later,well outside the prescibed time,I received a letter saying that following your recent request to be provided with a copy of the original credit agreement in respect of the consumer credit act. After liaising with our client in an effort to obtain this document we have been advised that it is no longer available. Under the circumstances we have closed our files in relation to this account which has now been returned to our client. we can confirm that no further contact will be made by us regarding this account. we trust this clarifies matters for you. I then called experian to ask them to remove the entry on my credit report,who then contacted lowell and they were told that they have no intention of removing the entry and they would only remove it if the debt was paid,they say that although they have no cca they believe the debt is valid,they also told experian that I admitted the debt, which I never have.Experian have told me to contact the information commissioner,which i am now doing. Does anyone else have any ideas where I should go to now.

ok thanks, anyone have any idea where the cca template letter is?

Thanks for your help, I'll do it now!

Hi All, I have just checked my credit report and it shows I have a default to lowell portfolio 1 ltd for £2500, for a bank,in 2004,its on an address that i was only at for a month or so.It also has an incorrect birth date. I telephoned them today and asked them for a signed credit agreement,they said they would request it,but it takes up to two weeks,they also said that they would charge £25 for requesting the signed agreement.I have not acknowledged this debt to them in any way, what should I now expect or do next?

Hi All, I have just checked my credit report and it shows I have a default to lowell portfolio 1 ltd for £2500, for a bank,in 2004,its on an address that i was only at for a month or so.It also has an incorrect birth date. I telephoned them today and asked them for a signed credit agreement,they said they would request it,but it takes up to two weeks,they also said that they would charge £25 for requesting the signed agreement.I have not acknowledged this debt to them in any way, what should I now expect or do next?