Lowell thrashing my credit file over old hsbc debt

[friend-in-need]

Hi,

 

I'm new to this site and hope I've posted in the right place.

 

I had a loan with HSBC which had done the rounds of various debt collection agencies.

 

It is in dispute as they have acknowledged they do not have the agreement.

It was shown on Experian as defaulted in June 2007. The entry dropped off 3 days ago.

 

It appears that HSBC sold the debt to Lowell Portfolio in January 2013. I've told them it is in dispute.

 

Lowell has never marked my credit file until today and showing the default date as 14/6/13.

 

Surely this cant' be right!

 

I'm really annoyed as I had just go my credit score to a reasonable level, and now it's right down again!!

 

Who do I complain to please?

 

Is it Lowell or Experian?

 

Is there a template letter anywhere?

 

Thank you so much in advance

 

Sal.

[DonkeyB]

Complain to Lowell first, and copy in the OFT for good measure. Experian will simply say that Lowell state the data are correct. Point out that if they continue to trash your record, you will sue them for damages. And follow it through.

 

Is this account SB yet?

[friend-in-need]

Hi

 

Thanks for that DonkeyB. No last payment was made in 2009 ..sadly.

Thanks again.

 

Sal

[dx100uk]

it should not reappear IF it has dropped off

phone Experian and ask WHY I has comeback.

 

it might just not be that

 

it COULD be that HSBC have sold it

 

and lowlifes is an UPDATEd not the defaulted date?

 

but you certainly need to ask th CRA.

 

what date in june 2007 was it defaulted

 

dx

[friend-in-need]

hi dx

 

HSBC sold it in January this year.

 

The default dropped off 11 June 2013

 

Lowell register today with default date 14/6/13

 

Sal

[dx100uk]

ring the cra

 

let them know its a debt that's already dropped off.

 

dx