Lowell changed Default Notice date?

[wangdoodle]

Hi All,

I have just checked my credit report with Equifax and a default notice date has changed,

 

on previous report it was dated Jan '08 and on the new one it is changed to March '08

 

- no other data has changed and no contact has been made with anyone

 

.How is this possible and will it adversely affect when the debt becomes statute barred?

 

many thanks

[BRIGADIER2JCS]

The default date is not relevant to a debt becoming statute barred, SB= 6 clear years with no payment or written acknowledgment of the debt.

 

There can only be one default date on a debt, which should no be changed.

 

What company name is shown as the owner of this account.

 

You can place a notice of dispute on the entry on the credit file Equifax will contact the company that placed the entry, but you can do this as well, by writing to the Data Controller of the company.

[wangdoodle]

thanks for the reply;initially on old credit report it showed as Equidebt, it now has been updated as Lowell Portfolio as the new custodian - amount exactly same, default date changed to 19/3/8 from 30/1/8.....Should be SB'd anyway as last payment was June of '07 and no contact since

[BRIGADIER2JCS]

In the hands of Lowell now, we have seen a number of old accounts cropping up that are stat barred, what date does it show that Lowell acquired the debt?

It could be that there has been some attempt to extend the 'life' of this debt, and someone a Lowell has messed up!!

 

I think we can 'test the water' here with a letter that does not restart the SB clock.

 

Send this a written to:

 

Ms Sarah de Tute

Director of Legal & Compliance

The Lowell Group

Enterprise House

1 Apex View

Leeds

LS11 9BH

 

Date:.....................:

 

Ref: use the one on the CRA entry..

 

 

Complaint Change of Default Date on Equifax Credit File:

 

Dear Ms de Tute,

 

I refer you to the entry placed on my on my credit file held by Equifax (screen print attaché for clarification), being aware that the date this account was shown to have been originally defaulted I was most concerned that Lowell have changed the default date from xx.xx.xxxx. to xx.xx.xxxx and I require an immediate explanation as to why Lowell have manipulated this date.

 

Furthermore I am fully aware that the last payment / acknowledgment in regard to the alleged debt was in June 2007, therefore I do not acknowledge any debt to any company of the Lowell Group as the alleged debt is Statute Barred and I will not now or in the future make any payment or offer of payment in regard to this matter.

 

Lowell should be aware that should it dispute the status of the alleged debt that the onus of providing unequivocal proof that it is not statute barred falls entirely upon Lowell.

 

Please also note any allegations that any ''mystery'' payments have been made to this account affecting the limitation period the are/will be totally refuted.

 

I require Lowell to confirm in writing that this matter is now closed and that it has removed all data relating to me from its files.

 

 

Send by recorded/signed for post and check delivery.

Edited August 6, 2013 by BRIGADIER2JCS

[wangdoodle]

updated date is Feb 2013 - I've had 4 letters since May seeking payment on this from various DCA's, all forwarded from previous address via Royal Mail forwarding service - standard contents - contact us to discuss, next step field collection team will knock on door etc - I've ignored all.So as it stands they do not have my current address

[wangdoodle]

potentially relevant also is that I now live permanently in Scotland and understand that SB is only 5 years - true?

[BRIGADIER2JCS]

Yes 5 years limitation in Scotland, how long have you been resident.?

 

The letter is ok for this scenario as well.

[wangdoodle]

since March in Scotland, is it worth sending the letter when the default will fall off credit file in less than 6 months anyway?thanks again

[BRIGADIER2JCS]

since March in Scotland, is it worth sending the letter when the default will fall off credit file in less than 6 months anyway?thanks again

 

Your choice, Lowell can be a pain in the arse, if you want to be rid send the letter now!

[wangdoodle]

thanks for taking the time to reply and for the advice - appreciated

[BRIGADIER2JCS]

Happy to help!!