Lowells, 2 shop direct accounts, and a default.

[teeach]

Lowells have placed a default on partners credit file.

 

We moved out of our house temporary (6mths) and in this time wifey applied for a very account which as far as i gather is part of shopdirect which freemans is a part of of which we have an account very good standing i.e 5k limit £1800 used and is a long standing account.

 

Upon trying to get a loan to carry out further home improvements she got declined. so checked credit expert and low and behold there is 5 defaults red 8's no late payments etc...

 

As you can see the default was for £29

 

From what we can remember of the situation was that when she applied and ordered everything went through fine until a phone call a few weeks later asking if she is the same person they have on their records(freemans account) at a different address, to which we confirmed we was and explained we was living temporary at this address.

 

Out of the blue they seemed to shut the very account down as there is no credit agreement on credit expert or late payments etc... my wife tried to log in to pay the £29 but was unable to log in.

 

We then received a default notice (plus 12 charge) on our freemans account in the account section, which we have now looked into and have realised it relates to the new very account as we haven't missed a payment on the freemans for over 2 years and has the very account number, we didn't notice this at the time and thought it was just an error.

 

What would be best plan of action? the original amount was only £29 and rose to £137 as you can probably see we have agreed to pay it of in £20 monthly payments but hadnt realised they had placed a default on CR

 

Was going to fire a arrange payment for Default removal before I go for CCA/Dispute/SAR??

 

Is this the procedure most would go for?

[MARTIN3030]

What is the balance when taking off the charges -and has there been charges in the past ?

You should be claiming these back !

[teeach]

current balance is £77 it rose from £29 original balance to £137 so we have paid off what the original amount was

[teeach]

anyone?

[teeach]

Lowells have placed a default on partners credit file.

 

We moved out of our house temporary (6mths) and in this time wifey applied for a very account

which as far as i gather is part of shopdirect which freemans is a part of

of which we have an account very good standing

i.e 5k limit £1800 used and is a long standing account.

 

Upon trying to get a loan to carry out further home improvements she got declined.

 

so checked credit expert and low and behold there is 5 defaults red 8's no late payments etc...

 

As you can see the default was for £29

 

From what we can remember of the situation was that when she applied and ordered everything went through fine

until a phone call a few weeks later asking if she is the same person they have on their records(freemans account) at a different address,

to which we confirmed we was and explained we was living temporary at this address.

 

Out of the blue they seemed to shut the very account down as there is no credit agreement on credit expert or late payments etc...

my wife tried to log in to pay the £29 but was unable to log in.

 

We then received a default notice (plus 12 charge) on our freemans account in the account section,

which we have now looked into and have realised it relates to the new very account

as we haven't missed a payment on the freemans for over 2 years

and has the very account number,

we didn't notice this at the time and thought it was just an error.

 

What would be best plan of action?

 

the original amount was only £29 and rose to £137 as you can probably see we have agreed to pay it of in £20 monthly payments but hadnt realised they had placed a default on CR

 

Was going to fire a arrange payment for Default removal before I go for CCA/Dispute/SAR??

 

Is this the procedure most would go for?

[dx100uk]

i doubt it was lowlife.

 

prob SD before they sold it on?

 

i assume the debt is sold on..lowells have their name against it?

 

can you just comfirm please

 

you had 2 accounts showing on your cra file?

 

one with Lowlife

 

one with SD?

 

dx

 

[moved thread to the cat forum]

[teeach]

[dx100uk]

yep so its a sold account to lowlife.

 

imho i'd sar JDW and get reclaiming.

 

 

if the defaults are the sole result of £12 PENALTY charges

 

you'll get it removed.

 

with all those shopping accounts

 

i bet you have £100's of charges to reclaim.

 

dx

[teeach]

As title please guys/gals. is it best to send to debt recovery hoping they take longer to get the information and not reply within the given timeframe?

 

Also I am going to send a Pay for delete letter with a bit more info such as no default letter received regarding the defaulted account number or even a chance to pay the £29.

 

Who should i send this to? the default is named as lowell but originally came from freemans(shop direct)

[havinastella]

No SAR to original lender

[teeach]

Can original creditor remove the default even though it is not now in their name?