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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

markr1987

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Everything posted by markr1987

  1. markr1987
    Just wanted to update this. I've now managed to have this default removed from Experian and Equifax reports, now just awaiting a response from Callcredit. Both Experian and Equifax quried the validity of the default/account with Lowell and the very quickly responded to both, advising that the address could be updated (to an address which has nothing to do with me). Fingers crossed Callcredit get it sorted and hopefully that's me seen the back of these Lowell [problem] artists.
  2. markr1987
    I've messaged callcredit and equifax to dispute the account with them
  3. markr1987
    Update - I had queried this with Experian but wasn't holding out much hope. Experian have updated me to say they have spoken to Lowell - Lowell have confirmed the debt relates to an address which isn't anything to do with me and have given Experian permission to update the address. That was yesterday and as of this morning, my Experian report no longer shows any account for Lowell and my score has gone up. Surely getting a resolution from these idiots can't be that simple???
  4. markr1987
    Formal complaint letter send to Lowell today. Thanks for the comments, will post their reply when I receive it
  5. markr1987
    So the plot thickens. According to my credit file, the default under Lowell's name is in relation to a 'Communications Account' specifically BT plc. The default amount is around £100. In the latest communication from Lowell, the name Vanquis as the original creditor and the outstanding balance as £886.00. I've since spoken to Vanquis who have confirmed they have an account in my name which was settled (an account I know about) a number of years ago and well managed. They also confirm the account number Lowell are quoting does indeed relate to someone with my name, but a different address and date of birth. I'm stuck with what to do next, other than to formally complain to Lowell?
  6. markr1987
    So what are my options from here then? Wait for Lowell to reply to Experian?
  7. markr1987
    I've just now spoken to Experian who have advised that they will query this as a 'no account' with Lowell. Interestingly, the guy at Experian told me they have this debt as relating to a communications provider, whereas the letter from Lowell tells me it's Vanquis??
  8. markr1987
    Thanks for the reply. This is exactly how the default appears on my Experian file. As I say, it just appeared from nowhere.
  9. markr1987
    Thanks for this. The email was from their 'Head of Customer Services'
  10. markr1987
    Hi I had a default placed on my account by Lowell Portoflio 1 limited. It only appeared about 4 months ago and had no relation to anything else on my credit file - it appeared out the blue as a default with a value of just over £100. I've since sent an initial letter that I found online, talking about how as they are the data processor they are responsible for providing with certain pieces of information etc. I have gone back and forward with them using letters - I had a response from them telling me they were unable to provide any of the information relating to the account or the default notice as they didn't keep this on their records. They have advised that they will also not remove the default. They mention in their latest response that the default is from a debt relating to a Vanquis account - I;ve only ever had one account with Vanquis and it clearly shows on my credit history as being a well managed and then settled account with no missed payments. I'm stuck as to what to do next! Any help would be much appreciated. Thanks
  11. markr1987
    Hi Guys It was for £107. It has only just appeared there - there was nothing else on my credit file that was behind in payments. I gave them a quick call and it relates to a debt from BT apparently from a number of years ago . The default is in Lowells name , I've never had any default from BT nor have BT ever appeared on my credit report. Thanks Mark
  12. markr1987
    Hi I have just checked my Experian report on Creditexpert and I have a default placed recently on my account from Lowell Group. I have never had any dealing or correspondence that I am aware of from this company. Would really appreciate any information or help on how I can challenge this. Thanks Mark

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