That is the letter i sent them couple of months ago. I will tell my CRA that i have not heard from Lowell at all. I will send this letter once more to them and see what happens. Thanks for your advice. And i can think of something a bit more meaningful than a snot-o-gram to send those gits!

I really dont have a clue. I dont know of any other way that it can be removed other than from my CRA but they cant remove it without the permission of Lowell. So catch 22 because they are saying its my debt when it isnt. Very frustrating

yes I received a reply from my cra. When they got in touch with Lowell they told them i was due them money for a 3 phone account which is weird because iv never had a 3 phone. They coudlnt remove them from my credit report because of this "outstanding" balance. Iv since sent a letter to Lowell. One of the drafts from above. That was 6 weeks ago and still not heard anything.

My CRA has now informed me that they are getting in touch with Lowell and are investigating the matter on behalf of myself. Thats some great service and well worth a few quid a month! Will keep you up to date

Ok thanks a lot. I have got in touch with my CRA and ill see what they say. It does def say default and communications on my credit report. They have also searched aswell. Ill use this letter above and hopefully get them off my credit file. Bloody swines!!

How does this look to send off to them???? Dear Sir/Madam After receiving my credit report I have noticed that your company are on it reporting a default. You are claiming a debt of £* with a default of £* on 25/05/2007. I do not acknowledge this debt as my own. I would point out that I have no knowledge of any such debt being owed to yourself or another company which you may or may not be connected to. I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I look forward to your reply. Yours faithfully

hiya thanks for the advice. It is in October so i take it im not the only one who has an issue with them. I dont have any ref number or account number or anything from them and i have never recieved a letter or phonecall from them ever. They just appeared on my credit file.

ok thats great thanks. Does this site have a template of one? im sure iv came across it somewhere. How much does it cost?

Iv never ever had a contract phone as iv always preferred pay as you go. What excatly is a subject access request??

Firstly who on earth are these people? Iv read they are some sort of DCA. Heres my problem... Im looking at my credit file which is all fine except this one default from 2006. It states that they are the company name and the account type is communications. That means nothing to me as iv never heard of them or know what communications could possibly be. Even worse its for nearly £1000 and its classed as a default which i dont want on my credit file for obv reasons. Should i get in contact with them to find out what its for? The things iv read about them suggest they are not the most honest people and i should tell them to bugger off. Any help is greatly appreciated Thanks

Thanks for the info its really helping me. With regards to them apologising it is all verbal. I will complain again via the link you gave me and see what happens. Thanks again

Hi all Firstly let me say im brand new to this site and im not "clued in" with certain things like debt and the law. So if i seem a bit daft please ignore it Anyway any help would be greatly appreciated. Im looking to find out what exactly happens if you have debt that is more than 5 years old. Does it get written off? or does it stay on your credit file? Also when i moved into my new flat i phoned the supplier (eon) to say that the old tenants have now moved out and that i wont be using them. I was with british gas and happy with them. anyway they were "sad" to lose my business and so forth. Since then i have recieved so many letters from them requested me to pay them over £200 in unpaid bills. I have phoned them to tell them that the period in which they are trying to charge me i was not living in the flat and that i was due them nothing. 3 times they have said sorry and realised it was their mistake. But im still getting letters demanding money and now its got to the point where they want to go to court if i dont pay. I have proof that i was not living in the flat during the time they are saying. Is there anything i can do to stop this as im sick of all the letters asking for money im not due them? Again any help is greatly appreciated Thanks