Lowell Group after me for debt from back in 2007 !!

[Mady]

[ATTACH=CONFIG]40030[/ATTACH]

[dx100uk]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[unclebulgaria67]

[ATTACH=CONFIG]40030[/ATTACH]

 

I could just about read the image. It appears that there was an account problem between December 06 and March 07. For whatever reason T-Mobile had not closed down your phone properly and you were still able to use it up to the date it was terminated. In March 07 you paid the relevant amount that was due, but then incurred more call charges after this date during your trip to Trinidad.

 

You need to check for sure when your last date of payment was. Did you make any payment to Lowells during 2007, which you have forgotten about ?

[Mady]

Hey,

 

unfortunately I don't have access a scanner at the mo, I am 100% last payment made to T-Mobile was in March 2007 & I never paid Lowell a penny 1000000%.

 

now how do i dispute the default date with Lowell would they ask for proof? if so how do i prove that the default should be from March 2007 and NOT December 2007?

 

Many thanks

[dx100uk]

as suggested in the post a pdf text

 

use a mobile phone?

dx

 

 

 

dx

[Mady]

I added the scanned copy

 

[ATTACH=CONFIG]40597[/ATTACH]

 

 

[ATTACH=CONFIG]40597[/ATTACH]

[unclebulgaria67]

I think you should be taking up a complaint with T-Mobile. According to your linked document they were sending you a final bill. Ask for a copy of this. The default will be the 30 days or whatever time period, in which you failed to make payment. The default should be end of January 07 at the latest. T-Mobile will be able to confirm.

[Mady]

I think you should be taking up a complaint with T-Mobile. According to your linked document they were sending you a final bill. Ask for a copy of this. The default will be the 30 days or whatever time period, in which you failed to make payment. The default should be end of January 07 at the latest. T-Mobile will be able to confirm.

 

Forget the events in 2006 as I had 2 lines and I canceled one of them end of 2006, the 2007 are for my 2nd line which I had at that time! last payment was March 2007 and I never paid Lowell so I take it as the default date should be from the date I missed the payment due which is April 2007... am i correct? but Lowell didn't default me until December 2007! more than 6 months from the date!

[unclebulgaria67]

Forget the events in 2006 as I had 2 lines and I canceled one of them end of 2006, the 2007 are for my 2nd line which I had at that time! last payment was March 2007 and I never paid Lowell so I take it as the default date should be from the date I missed the payment due which is April 2007... am i correct? but Lowell didn't default me until December 2007! more than 6 months from the date!

 

Yes, the default date will be the date you failed to make the due payment.

[BRIGADIER2JCS]

You need to make a formal complaint yo the DATA CONTROLLER at T Moblie and place a notice of dispute on the credit files, if Lowell have made an form of entry on the files the same process is needed.

[Mady]

You need to make a formal complaint yo the DATA CONTROLLER at T Moblie and place a notice of dispute on the credit files, if Lowell have made an form of entry on the files the same process is needed.

 

is there a template letter on here to send to DATA CONTROLLER?

[BRIGADIER2JCS]

No but I can draft a letter for you tomorrow.

[Mady]

thanks for your help

[BRIGADIER2JCS]

thanks for your help

If you think there is any more information that would be helpful please let me know.

[BRIGADIER2JCS]

Ok, This letter goes to the Data Controller at TMobile send by recorded delivery and check receipt.

Please enclose a copy of any screen prints of your credit files with the letter a copy can be sent to Lowell as well.

 

Ref: account number. xxxxxxxxxxxxxxx

 

FORMAL COMPLAINT.

 

Sir,

 

I have for some considerable time been attempting to resolve the reporting of this account on credit reference files held by xxxxxx and xxxxxx credit refence agencies as a defaulted account, it was agreed on xx xx xxxx that all disputed entries would be removed from my credit files.

 

having accomplished this I rechecked my credit files to find that the entries had been replaced. as you are aware the Lowell Group of debt collection agencies were involved with this account and it is unclear which company replaced the entries, you must also be aware that this account is now statute barred so any such entries are pointless.

 

Such derogatory information being published by credit reference agencies is of course affecting my ability to obtain credit a situation that I hold T Mobile totally responsible for, enclosed are copies of the credit reference file entries.

 

I now require T Mobile to remove ALL adverse data from ALL credit reference agency files with immediate effect and you will confirm compliance with this instruction inwritting.

 

I have been advised that T Mobile should consider making financial redress for the stress, time and work expended in trying to correct your companys errors, this should also include a sum for the publication of the adverse data and the effects on my credit profile.

 

I am preparing a report for the Information commissioners office and will delay this so that I may include your response to my complaint.

 

Now I hope I've got the above right, so please let me know if it needs amending.

 

Brig.

[Mady]

Ok, This letter goes to the Data Controller at TMobile send by recorded delivery and check receipt.

Please enclose a copy of any screen prints of your credit files with the letter a copy can be sent to Lowell as well.

 

Ref: account number. xxxxxxxxxxxxxxx

 

FORMAL COMPLAINT.

 

Sir,

 

I have for some considerable time been attempting to resolve the reporting of this account on credit reference files held by xxxxxx and xxxxxx credit refence agencies as a defaulted account, it was agreed on xx xx xxxx that all disputed entries would be removed from my credit files.

 

having accomplished this I rechecked my credit files to find that the entries had been replaced. as you are aware the Lowell Group of debt collection agencies were involved with this account and it is unclear which company replaced the entries, you must also be aware that this account is now statute barred so any such entries are pointless.

 

Such derogatory information being published by credit reference agencies is of course affecting my ability to obtain credit a situation that I hold T Mobile totally responsible for, enclosed are copies of the credit reference file entries.

 

I now require T Mobile to remove ALL adverse data from ALL credit reference agency files with immediate effect and you will confirm compliance with this instruction inwritting.

 

I have been advised that T Mobile should consider making financial redress for the stress, time and work expended in trying to correct your companys errors, this should also include a sum for the publication of the adverse data and the effects on my credit profile.

 

I am preparing a report for the Information commissioners office and will delay this so that I may include your response to my complaint.

 

Now I hope I've got the above right, so please let me know if it needs amending.

 

Brig.

 

Thank you so much for the letter, However its was Lowell who post the default on my Credit account not T-mobile!!

 

Kindly let me know.

[dx100uk]

no it wasnt

 

it was the OC [t mobile]

 

lowlifes name would have been put against the default when they brought it.

 

IMHO i would do NOTHING

 

this will be SB's in april [6yrs from last payment]

 

if you take the default date [dec 07]

on its 6th birthday the account will vanish from your CRA file.

 

forget it.

dx

[BRIGADIER2JCS]

Dx is right, I should have pointed out that, it is of course your decision alone to send the letter or not.

[Mady]

I want it off my credit reference ASAP so I can build on my credit scoring as I am planing to get mortgage by end of this year.... I cant believe it I can't even get Capital one 10000% APR!!!

 

This is one debt and will never ever happen again I cant wait to get out of my credit reference...

[dx100uk]

in the time scale available you can do very little.

 

the ONLY way would be to offer payment on the strict condition the CRA file is marked as SETLLED [not partial settlement]

and ALL neg data is removed.

 

IMHO thats a waste of money..you dont owe anything.

 

your 'other' credit stuff will be rebuilding your rating and will go up when this debt drops off is dec or p'haps earlier.

 

dx

[dx100uk]

PS it wont be 'just' that default causing you issues

 

there must be other reasons.

 

one default does not prevent most credit cards

 

dx

[Mady]

in the time scale available you can do very little.

 

the ONLY way would be to offer payment on the strict condition the CRA file is marked as SETLLED [not partial settlement]

and ALL neg data is removed.

 

IMHO thats a waste of money..you dont owe anything.

 

your 'other' credit stuff will be rebuilding your rating and will go up when this debt drops off is dec or p'haps earlier.

 

dx

 

 

No I have no intention to even paying them a penny! lool But Come April 2013 I want to argue with Lowell that the default date is wrong and that it should be April 2013 NOT December 2013!! so then they ll remove it I hope..... or isit T-mobile that I have to complain to?

[dx100uk]

as said before

i would suspect it was t-mobile.

 

dca's dont usually default debts if they buy them on a phishing list.

 

when its sold, the new owners name is substituted wherever the original owners was.

 

so thus the default shows as lowlife but it was t-mobile that did it.

 

there is an outside chance it was the automatic system on the cra computer

 

once a debt has been reported with a marker [say for late payment]

once over 6 mts, it auto goes to 8 or D = default.

 

the only clear way to tell is by sending an SAR to the OC.

 

dx

[BRIGADIER2JCS]

Agai DX is right T Mobile will have defaulted the account no Lowell so any challenge to the default date will have to go to T Mobile.

As DX also said earlier 1 default will probably not prevent you getting a CC BUT mortgage lenders at what ever level in the market are looking at longer credit histories often 5 years + and good to excellent credit management 3-4 years is the average time to build an acceptable credit profile.

[Mady]

Hi guys

 

is there such a letter I can write to T-mobile arguing the date of default should be without me acknowledging the debt?