Lowells and wrong default date help needed!

[wharfus]

Hi Guys

 

Lowells have defaulted my credit file for a debt I never paid or acknowledged from 2006 they have defaulted it in 2008 what can I do to get this removed as should be statute barred thanks.

 

 

 

Account Opened

8 March 2005

8 March 2005

 

 

Last Updated

17 July 2012

1 March 2009

 

Account Terms

Monthly repayments

Monthly repayments

 

Payments Started

Not Recorded

Not Recorded

 

Opening Balance

£596

£0

 

Lump Payment

Not Recorded

Not Recorded

 

Current Balance

£596

Closed 11 May 2008

 

Credit Limit

Not Reported

Not Applicable

 

Monthly Change

£0

Not Available

 

Worst Status

US

 

 

D

 

 

 

 

The status of the account is unknown. The payment status has been reported as in default.

A notice of default has been served. This usually arises from non-payment.

 

Account Holder Status

Normal

Not Available

 

Account Status

Default

Not Available

 

Reported Until

May 2014

May 2014

 

Default Date

11 May 2008

May 2008

 

Default Satisfied Date

Not Satisfied

Not Reported

 

 

Lender Contacts

Enterprise House

1 Apex View

Leeds

LS11 9BH

0845 300 9410

[dx100uk]

i suspect it was not lowlife but the oc

 

lowlife 'inherited' the data when they brought it.

 

tell us about the debt please.

 

a 'default notice' should be issued within 6mts of the cause of action.

 

dx

[wharfus]

Debt was a credit card I had up til about may 2006

went through divorce and lost everything

 

never put my head above the parapet until now lol

 

default date is 2008?

 

think it was a capital one card but honestly cant remember.

 

I also had ccjs against me which only 1 is left to come off again stating 2014

but not going to chase these as from what I have read they can come back again for money

 

but this lowells one is taking the water lol

 

to conclude may 2006 was when divorce/breakdown happened not contacted or paid anything since cheers Dave

[dx100uk]

its YOUR last financial transaction in/out that is important here.

 

that will be the SB date.

 

if it IS sb'ed then lowlife can go swivel.

 

dx

[wharfus]

Hi DX

 

Well for a bit of fun I rang Lowell and

 

they said low n behold that a payment was made in 2007??????

it definetly wasn't so im guessing this is a tactic

 

so what now what do I need to do

 

I guess I need letter but who to Capital One or Lowell

what do I send

how do i get the ball rolling (read somehwere that mystery payments are a debt collectors trick)

 

I want to get this default took off my credit file even if sb'd they can't add a default 2 years after

but they say they didn't that Original Creditor did.

 

Cheers

 

 

Dave

[postggj]

SAR the original creditor and in it will be a copy of the original default notice to compare dates

[dx100uk]

ah the phantom payment trick

 

ask lowlife to forward you the transaction details

 

also phone cap1

 

dont give away the reason nor any background

dont enter into any discussion

 

simply verify with them when the last fin in/out was.

 

an sa might be an idea

 

as if its SB'ed they'll not release any info.

 

dx