Hi guys, just wondering what my course of action is now.. Three have not responded to my SAR after 40 days. I have proof of postage and proof that they have cashed the postal order. I also sent them 2 email reminders to the Executive.Office at three.co.uk address and was told that my query would be passed to the data control officer (i have copies of these emails and response). After 40 days, I send the following (signed for again) based on a recommended template I found on this site: RE: xxxxxxxxxxxxx "You have failed to comply with my Data Protection Act Subject access request dated 18th May 2011 despite me sending you 2 reminders via email and also copies of my passport for identification purposes. If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice." That was around 2 weeks ago and still no response. Lowell have put the account on hold as I have told them that Three are not responding to my SAR. What should I do now? Contact the ICO or the CRA? My aim is to get the default (termination notice) removed from my credit file and thus far, three have not provided me with my data or a copy of the termination notice. Should I be contacting the courts at this point (I know I alluded to it in the letter, but that really sounds like a last resort) Many thanks!

The date of the default, and the amount stayed the same. I have sent an SAR to Three (around a month ago) and am still waiting for them to respond. I will chase this up via the email address kindly provided.

I have received a further response from Lowell Portfolio after asking them to show the breakdown of the default account. What they have sent me is very strange as it appears to say that £210.84 - £168.14 = £383.67 ! The original default amount was indeed the £78.95 shown on the invoice balance, so presumably the leap to £383 is made from other charges after the default. Are they not required to give me details of all charges that make up the alleged closing balance? I have attached a copy of the statements, I'd appreciate any advice on what my next step should be. Has anyone had any luck with negotiating default removals with Lowel? Thanks. photo_1.pdf QnW0X7kj.pdf

Keith, I'm new to these boards too, but at least I know to have the courtesy not to hijack someone else's topic thread.

Not sure what happened with the image uploader. I've converted to PDF, thanks. I did try to negtiate with Three at the time but it was useless. They just kept wanting to send me replacement phones out which wasn't really the issue.

Hi, This is my first post on these forums. I have had a look around at the other posts but am still a little unclear of my next course of action so some advice would be appreciated. Usual story, I had a dispute with Hutchinson 3G (Three) about 3 years ago due to service level and refused to pay the bill (in retrospect this was probably not the best idea but that is in the past now.) Needless to say, I ended up with a default on my credit file which was very clearly entered by Hutchinson 3G (Three) on the entry. In the last 6 months I have noticed that the credit report entry regarding the default had changed to Lowell Portfolio. My main question is therefore, since I have never given them permission to disclose my information to the CRA's, can I force this to be removed? I recently wrote a letter based on one of the templates from this site and had a reply regarding the renaming of the default etc. Perhaps someone could take a look at the attachment and let me know if there's anything obvious that I can use to my advantage. Thanks. --- OP edited to insert better attachment. --- Lowell.pdf