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help need over default notice from lowell


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after looking at my credit report lowell have put a default notice on it. they wrote to me last year saying i owed them £3000 for an account with capital one i challenged them asking them to send me the original agreement they couldn't and said the account was closed. why then is it on my credit file and can i do anything to get this removed.

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I would start with contacting Lowell and asking them what is going on, do you have the account closed in writing ?, the absence the CCA you requested is enough to go on if they dont remove the default, and you would report Lowell to The office of fair trading, post here how you get on and you will get step by step advice.

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