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Lowell financial default to Vodafone


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Hi,

 

Lowell have issued a default notice on my credit file for a Vodafone contract agreement that is not covered by the consumer credit act, as Lowell informed me when I asked for a CCA. My question is, how can they issue a default when they are not the originator of the contract? and can I request its removal from my file as it is now the only 'black mark' on my file.

 

Cheers guys.

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yes they can register a default as buying using the vodafone service you would have agreed to the vodafone t and c's.

 

yu can request it but be doubtful that tey would unless it has been applied by fault

 

ida x

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Hi Ida,

 

Many thanks for the info. I requested a copy of the original T&C from Lowell, who stated they did not need to provide these as the agreement was not covered by the CC Act. Surley I can request a copy of the original contract and the T&C, and if they cannot provide these the debt would therefore be deemed unenforceable?

 

Kind regards,

 

John

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yes you can but this would need t be done by sending a sar direct to voadafone

 

ida x

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Thanks Ida, though somewhat confused. If Lowell have obviously purchased the debt from Vodafone, surely the onus is on them to provide evidence of entitlement etc.

 

John

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not really, it's not the same as if it were covered by the cca.

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