I’m not batting for anyone, I was upfront by saying I’d worked in this sector and was trying to help by providing some other alternative. I can assure you that debt purchaser can, and do, register defaults the FCA are more than happy with this as the permissions give them the rights and responsibilities of the lender. I’m not trying to confuse anyone I just want to ensure factual information is logged.

Would you not say that the DPA issue is a potential complaining point? I certainly would, regardless of whether I took an account out for someone it's still in my name and therefore noone else should be able to discuss or obtain information. That would be fraud! Also your assuming that JDW added the default not Lowell. As a Debt Purchaser (fundamentaly different from a DCA) when they purchase an account they take on the rights and responsibilities of the Lender which includes having the ability to issue a notice of default and register if required. I've noticed you've incorrectly given this advice a few times on threads.

Section 4 of the Principles for Reporting Arrears, Arrangements and Defaults to Credit Reference Agencies issued in 2014 provides some guiance. I have used this before and have been successful in get dates altered and removed, Lantern Debt Recovery were forced to issue redress to customers because of this and also had to inform the FCA of their error.

Hi I'm new to the forum, Lowell or JDW shouldn't be adding a default to your Credit File with a default date of 2018, if the account was originally defaulted in 2014 the creditor has 6 months from the date the account should have defaulted, which is usually 90-180 days of non payment to register the default (taken from ICO guidelines on Credit File entries). The creditor, whether it be Lowell or JDW are falsifying the CRA entry and putting you at a more detrimental state that you should be, therefore the maximum length left should only be 2 years. I do agree that you need to understand how your balance is made up, whilst the debt will say £1500 the likelihood is that at least 30% will be interest and charges. My only other question would be, why were Lowell writing to your Mother when you said you took the account out, there is a potential breach of Data Protection here, especially if Lowell have discussed this account without your consent, Debt Purchasers do not like DPA complaints and usually will do anything to resolve them without going to FOS or ICO. I have worked in the Credit industry including Debt Collection agencies so I know what they will do to avoid this type of exposure. Good luck, I hope that helps.