I have just had a dealing with Lowells, they sent me a letter saying they had brought a debt from 3 phones (£60), an account i had back in 2003/2004. I paid it straight away (like a fool), as I couldn't remember if I did owe 3 anymoney and i had never had any dealings before with a DCA etc, ANYWAY, they performed 2 searches on my credit file and issued a default on the day after taking over the alleged debt. I had received no default notice or corresponsdance asking permission to check my file!!! So, it seems as i gather with the little knowledge that I have, that they are able to do whatever they please..............

I am going to try and get this mess sorted, thanks everyone for the very helpful advice, watch this space..............

Hi Postggj I have just checked my credit file again, and they issued the default before I contacted them, they issued it the day after they took over the "alleged" debt from 3 phones

Hi M Thanks for your reply, I am going to look into what can be done to remove the default, it is so wrong that that defaults can be registered just like that without notice etc.... Goodluck with your quest too.

Hi This is my first post and I am really in need of some help please....... I received a letter from Lowell Portfolio the other day claiming that I owed £64 from a mobile phone account I had with 3G back in 2003/2004. I did have a contract with 3G, but I am 95% sure that I do not owe them anything. I have not received any correspondance from 3G claiming that I owe them anything from the last 4-5 years. Anyway, gullable and naive as I am I phoned them as soon as I received the letter, I thought that it was completly genuing and I wanted to sort it out. I asked for evidence of the debt and was told that if I recieved the evidence I would have to pay the full amount owing but if I didn't request the evidence then I could make any offer, so I made any offer to pay half (like a fool ) and it was agreed in the end that I could pay £41. Anyway, I checked my credit file and they have put a DEFAULT onto my file, I am really upset by this and I don't know what to do. I have been really taken in by them, I was foolish to phone them straight away, I should of checked out their company and stuff online and I feel such an idiot that I have just handed over £41 for a debt I don't even know if it exists or not and to top it all I have got a default on my credit file!!! I don't know what I can do now, so any help and advice is really, really, really helpful........ Thankyou