Ah yeah I see what you mean. I just didn't really like the idea of the Lowells knowing where I live. I have been above board with Orange and Three and it's not my duty to update them with my address details after I have terminated a contract with them.

I'm not hiding... I just have no idea what to do next. The Three account first defaulted on the April 2013 and then there is a DF on Aug 2013 and then again on April 2014.

Yes I moved address but I contacted them giving them an update. Also I've just seen on Noddle that each account has defaulted twice. Does that matter? I spoke with Lowell (I didn't give them my address). The guy said that they will ask Orange and Three for evidence. I said to him that they will just get back saying I owe money and then you will try to enforce a debt. Three (and Lowell for this account) have the wrong address and Orange don't seem to be able to provide any evidence apart from call logs which state that I queried why I'm paying for an extra month. Orange also cancelled the contract in May - 2/3 months after I requested it to be cancelled. What I don't understand is how such a little amount of money can have a massive impact on my credit score. I'm hardly borrowing £20k from a bank and not repaying it! I asked about paying off the debt and them wiping the account so my credit rating would recover and he said he couldn't do that. Then towards the end of the call he said that it's another department that deal with disputes. So now I will wait and see what crap they come back with. Also I made sure Lowell don't have my current address and they can only contact me via email or mobile.

So if i do the SAR thing what are the next steps after that.

Thanks for your reply. I've spoken with Orange they are saying the I didn't ring to cancel the contract after the 24 months (which I did) and that's where the extra is coming from. I asked them to provide me with evidence (letters) of any further correspondence and they said they don't have any and that it has been passed on to Lowells.

even though it's Lowells that is defaulting my credit rating?

Morning All, I have been battling with Lowell for a few days now I am looking for a bit of advice. I'm not at all clued up on legal jargon so I'm not sure what to do next. In a nutshell, I'm a teacher just starting to think about buying a house. I've always paid off any contracts that I have and cancelled them under the 30 day grace period respectfully. Upon looking at my credit rating I noticed that it was horrendously low (503) I checked through Noddle why this was the case and Lowell have been defaulting two supposed debts... I have emailed Lowell asking what the debts are for the email states: Account Number Original Client Original Client Reference Current Balance Initial Contact Date 25* Three Mobile 9* £20.08 29th April 2013 15* Orange 7* £65.11 30th December 2013 The former Three Mobile account was opened on the 2nd April 2008. The client last receive payment for this on the 1st April 2011 for £20.08. The number associated with this is 0* the tariff was Broadband 5Gb (18/24 months). The balance is made up entirely of airtime debt. The former Orange account was opened on the 28th April 2009. The client last receive payment for this on the 7th March 2012 for £31.96. The balance is made up entirely of airtime debt. As you can see from the dates I have cancelled the contracts well over the 24months (I held them both for almost 3 years!) So when I cancelled I rung up and told them. I'm assuming they continued to bill me for an extra month. I asked for evidence of the Notice of Assignment. He has just forwarded two letters, not letter headed I might add with some glaring mistakes... This is the Orange letter: Dear Mr McGirr We hereby give notice of the assignment of the debt due to us (trading as "Orange") from you in respect of the balance of £65.11 outstanding on your account. On «ClientClRegdate» your account was sold to Lowell Portfolio I Ltd. It is essential that all future payments, correspondence or queries regarding this account be directed to Lowell Portfolio I Ltd quoting reference 1*. Contact Address: Enterprise House 1 Apex View Leeds LS11 9BH You'll notice the "On > as part of the letter... The second letter that was linked to the three account had the wrong address, four doors down. What are my next steps? I want this removed for my credit rating ASAP. it's 2008 !!! Thanks in advance, S