JDW-Ambrose debt - Reliable Collections - Now Sold To Lowells

[MorganaNK]

Resurrecting a zombie thread:

 

I checked mum’s credit report and Lowell’s have this listed on there as a default... can or should I try and get this removed?

 

Thanks

[dx100uk]

No the OC would have defaulted before sale surely?

Or was there an old default from years past

[dx100uk]

Look at post 67 as long as the defaulted date has not been changed all is ok

[MorganaNK]

LENDER Lowell

UPDATED 18/05/2018

STATUS Default

Date of default

14/01/2016

[dx100uk]

Nope read post 67

Find that DN they sent you

[MorganaNK]

Found it. Lowell put it into default the day they purchased the debt from JDW.

[dx100uk]

Nope not reading things properly are you.....

[MorganaNK]

The original default was 02/04/14 and there is no trace of it on the credit report.

 

The Lowell one is on the credit report and states that it entered default on 14/01/16 which was the day they bought the debt from JDW according to their “Hello, we now own your soul so be afraid” threatogram.

 

JDW/AW have refused to do anything about the unfair charges/interest, and the amount they allege we owe is made up of that so we are at stalemate.

 

I am not sure what I have misread or misunderstood...

[dx100uk]

A dca cannot default you only the oc can

[MorganaNK]

I didn’t know that, thank you. So, as the default date has changed, what action, if any, should we take?

[dx100uk]

Send lowells a copy

Demand they correct their default within 14 days else you will open a serious complaint with the information commissioners office and also seek financial compensation

[MorganaNK]

I will, thank you

[MorganaNK]

Just so I am sure, we send Lowells a copy of the original default notice?

 

Sorry if I am being stupid, this all feels like walking through a maze.

[dx100uk]

yes

[MorganaNK]

We received a refund cheque from N Brown Group today, along with a letter stating it is because they have recently completed an internal review with the FCA and concluded the PPP insurance sold ‘contained flaws’. The amount is £426.19; worked out as premiums £219.19, and interest £207.00); Lowells are trying to claim £984.16 as an alleged debt... (the rest is the charges and interest we tried to claim back).

 

How does this affect the default on the account (if it does), and where do we go from here? I haven’t yet send the default notice. Mum is too scared to bank the cheque!

 

Thanks in advance

[dx100uk]

Nothing to do with lowells or anything else.

its hidden ppi commissioner under the new plevin case

 

Why have you got to send a default notice??

[AndyOrch]

Nothing to do with Lowells...they only paid a tenner for the debt...bank the cheque

[MorganaNK]

Sending the default notice on your advice above because OC defaulted the account on 02/04/14 (which doesn’t appear on credit report) and then Lowells defaulted it on 14/01/16 which is the day they bought the ‘debt’ (this appears on the credit report). Not sure what to do now...

 

We will bank the cheque

[dx100uk]

Ah yes get rhat done rub their nose in it!!!

[MorganaNK]

So, just send them the default as advised before, say nothing about the ‘compensation’ and then sit back and do nothing?

[dx100uk]

No you want them to correct thei dn date error read what i posted!!!

Edited June 2, 2018 by Andyorch
edited

[MorganaNK]

I didn’t type the whole bit out as I thought it was a given that I understood the how, why and what after the clarification you gave me last week.

 

.. you said give them 14 days and if they do nothing go to ICO as will be stated in accompanying letter..

 

. I meant sit back and do nothing with regard to the fact that the cheque reinforces that their purchased ‘debt’ is worth less than nothing

[dx100uk]

as they always are.

[dx100uk]

as post 111

[MorganaNK]

Thank you