Three Mobile / Lowell Portfolio default. Advice needed.

[edan291]

Hi,

 

This is my first post on these forums. I have had a look around at the other posts but am still a little unclear of my next course of action so some advice would be appreciated.

 

Usual story, I had a dispute with Hutchinson 3G (Three) about 3 years ago due to service level and refused to pay the bill (in retrospect this was probably not the best idea but that is in the past now.) Needless to say, I ended up with a default on my credit file which was very clearly entered by Hutchinson 3G (Three) on the entry.

 

In the last 6 months I have noticed that the credit report entry regarding the default had changed to Lowell Portfolio. My main question is therefore, since I have never given them permission to disclose my information to the CRA's, can I force this to be removed?

 

I recently wrote a letter based on one of the templates from this site and had a reply regarding the renaming of the default etc. Perhaps someone could take a look at the attachment and let me know if there's anything obvious that I can use to my advantage.

 

Thanks.

 

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OP edited to insert better attachment.

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Lowell.pdf

Edited June 6, 2011 by edan291

[dx100uk]

cant read postage stamps

 

use:

 

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

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

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

 

as for that default itself, what has happened is correct

the file and any defaults will show the new owners name.

 

getting it removed is a diff one

 

i take it you just decided not to pay 3g without trying to negoiate them dropping the contract because of poor service coverage?

 

dx

[edan291]

Not sure what happened with the image uploader. I've converted to PDF, thanks.

 

I did try to negtiate with Three at the time but it was useless. They just kept wanting to send me replacement phones out which wasn't really the issue.

Edited June 6, 2011 by edan291

[dx100uk]

as far as i can see theres not alot you can do about the marker

did you give them the phone back?

 

dx

[harrassed senior]

I have had success with contacting 3 at the below address, they are quick and helpful.

 

[email protected]

[edan291]

I have received a further response from Lowell Portfolio after asking them to show the breakdown of the default account. What they have sent me is very strange as it appears to say that £210.84 - £168.14 = £383.67 !

 

The original default amount was indeed the £78.95 shown on the invoice balance, so presumably the leap to £383 is made from other charges after the default. Are they not required to give me details of all charges that make up the alleged closing balance?

 

I have attached a copy of the statements, I'd appreciate any advice on what my next step should be. Has anyone had any luck with negotiating default removals with Lowel?

 

Thanks.

photo_1.pdf

QnW0X7kj.pdf

Edited June 14, 2011 by edan291

[harrassed senior]

Still suggest you contact 3 direct at the e mail address given - they will not be making any extra charges.

[Tingy]

I'd go straight to the CEO himself with anything regarding 3. We have 7 contracts with them and I pursued this route not long ago after a frustrating day getting nowhere with the underlings. It ends up in the executive office, but you have a personal contact there to deal with your issue including a telephone number. This was very successful for me and has been used several times.

 

When the default changed to Lowells, did the date of default change or remain the same?

[unclebulgaria67]

 

The original default amount was indeed the £78.95 shown on the invoice balance, so presumably the leap to £383 is made from other charges after the default.

 

As far as I see this, you owe* £78.95 plus any other charges that the Three contract allows. Contact Three and get hold of a copy of the contract terms, plus statement details, if there is any dispute on the amount.

 

While you are in the process of making enquiries with Three, raise a dispute in writing to Lowells, advising that you do not recognise any debt for the amount that they have written about and have contacted Three for further information. Ask that they suspend all collection activity for say 30 days, while you are making these enquiries.

 

* I say owe, this assumes that you have no dispute that the £78.95 was owed. If you are disputing that make a formal complaint to Three.

[harrassed senior]

I'd go straight to the CEO himself with anything regarding 3. We have 7 contracts with them and I pursued this route not long ago after a frustrating day getting nowhere with the underlings. It ends up in the executive office, but you have a personal contact there to deal with your issue including a telephone number. This was very successful for me and has been used several times.

 

When the default changed to Lowells, did the date of default change or remain the same?

 

The Executive office is the e-mail address I have already provided, and as you say, good communication and service via that has always been my experience too.

[edan291]

I'd go straight to the CEO himself with anything regarding 3. We have 7 contracts with them and I pursued this route not long ago after a frustrating day getting nowhere with the underlings. It ends up in the executive office, but you have a personal contact there to deal with your issue including a telephone number. This was very successful for me and has been used several times.

 

When the default changed to Lowells, did the date of default change or remain the same?

 

The date of the default, and the amount stayed the same. I have sent an SAR to Three (around a month ago) and am still waiting for them to respond. I will chase this up via the email address kindly provided.

[edan291]

Hi guys, just wondering what my course of action is now..

 

Three have not responded to my SAR after 40 days. I have proof of postage and proof that they have cashed the postal order.

I also sent them 2 email reminders to the Executive.Office at three.co.uk address and was told that my query would be passed to the data control officer (i have copies of these emails and response).

 

After 40 days, I send the following (signed for again) based on a recommended template I found on this site:

 

RE: xxxxxxxxxxxxx

 

"You have failed to comply with my Data Protection Act Subject access request dated 18th May 2011 despite me sending you 2 reminders via email and also copies of my passport for identification purposes.

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice."

 

That was around 2 weeks ago and still no response.

Lowell have put the account on hold as I have told them that Three are not responding to my SAR.

 

What should I do now? Contact the ICO or the CRA? My aim is to get the default (termination notice) removed from my credit file and thus far, three have not provided me with my data or a copy of the termination notice. Should I be contacting the courts at this point (I know I alluded to it in the letter, but that really sounds like a last resort)

 

Many thanks!

[bazaar]

well, you threatened them with court if they did not provide what you asked for. ( Just make sure the days allowed to rectify is correct).

If you do nothing now, you'll look the fool. Do what you said you would do.

Force them via the courts to produce and claim the costs