hmm.. it says will arrange a time, will commence with court action, will commence with action against you. So you think I should ignore?

Thanks for the reply - no - it's not on my credit report - but I am worried it will be - I saw they have done a search on me and last letter says I have 10 days before they "take action" - "court action" When I spoke to Three - they said they may well have the phone but because it wasn't received within 10 days this is why it has happened .. their terms apparently, and they can't / won't check to see if they have actually received the phone because of the 10 day thing - they don't have to... zzzz

Advice please. I would be very grateful for any advice helping me to rectify this situation favourably, I don't have much experience of this kind of situation.. I recently checked my credit report for the first time in a long time as I am in the process of applying for a mortgage and found that The Student Loans Company had put a default on my account. I was unaware this had happened. I made a complaint via Experian - they came back with the message that SLC felt it was justified - apparently it happened after I last moved house and there was a period when letters didn't reach their destination this was Feb 2008 so the default is due to expire. I would like it removed obviously as I don't feel it was justified - I gave them my new address and even called them to communicate that letters they promised to send ( I wanted to defer the account) hadn't arrived. During this time they also charged penalties to the account - I think the "admin fee" for sending a letter..it's so long ago I don't rightly remember. Secondly - I wrote to them some years ago - not sure exactly when but say 2010 ( I wasn't aware the account had been put into default on my credit report) when I paid off the loan and highlighted the fact I would be paying off the amount I owed but not the charges but from that moment I considered the matter closed - I also called them to state this and I didn't hear back from them. Then this July I checked my credit report to see the account in default and the amount owing remained as the amount of charges I had not paid... then there's asecond amount Payment terms of £63 - I'm not sure what this is? Current Balance: £95 Payment Terms: £63 Anyway I called them - slightly distressed.. after lengthy discussion an agent agreed that I need not pay the charges and that she would close the account and update credit agencies etc This was agreed with manager or whatever. 3 weeks later I checked my credit report - the account remained the same. I called again.. some bizarre discussion occurred whereby it was claimed I had to pay £5.06 in order for them to to do what the previous agent had agreed to even though the previous agent hadn't mentioned anything of the like..I really couldn't understand but just paid the £5.06 really hoping this was the last of it. So just checked my report and it's all still there.. Current Balance: £95 Payment Terms: £63 I have called and been told they will call me back on Tuesday next week. I should add that my every dealing with them practically causes a nervous breakdown as the conversation is so lengthy getting the agent to understand the situation .. the situation is causing me to feel quite insane and worried for all the students who are now getting out massive loans. My loan was £500 in 1994.... it enabled me to buy a car after graduating so that I could drive 20 miles back and forth to my first post-student job - great at the time but the grief it has caused - - lost hours chasing them and sheer frustration plus the knock effect - is incredible...and depressing.

And that is what I presume a step they will take next - although weirdly they have said they will send an agent for a face-to-face visit to discuss - no thanks! Or proceed with court action.

no it's not on my credit report - but i see they have made an enquiry some months ago

Help and advice please Lowell Financial contacted me some months ago regargding what they insist is an outstanding debt I have with mobile phone people Three. I had a contract with Three - over 3 years ago which they agreed to terminate due to proven bad signal/ reception. They sent a shiny envelope for me to return the handset - which I did. However they are refuting that they have received the handset and have passed the debt totalling £233 to Lowells who are now - very persistently chasing me for it. It's not a huge sum of money ( but I happen to be feeling the pinch at the mo) but more importantly I know I returned that handset as requested however I have no proof.. I did try and chase it at my local post office but obviously too much time has passed and there is little they can do about it. I kick myself for not getting a proof of posting certificate but I simply didn't think about it at the time.. maybe the shiny envelope lulled me into a false sense of security. Unfortunately I'm also trying to move house so really don't want this affecting my credit report etc etc. I have told them ( they literally just called in the middle of writing this) I am seeking advice before writing to them - somehow they have my home tel no, my email address and my mobile - I am feeling harrassed Thanks for any guidance - I haven't had this type of debt issue before.