Lowells no exsistent reply to your query

[collins1983]

Hello all

 

I am having a dispute over a loan that was last acknowledged in 2006.

 

Last year i started to get letters from Lowells saying i owed close to 7k.

 

I sent them a statute barred letter and noticed a default was put on my account

in the August of last year by Lowells.

 

I have now been receiving letters every couple of months from Lowells saying

 

We're looking into your query... blah blah blah

 

Then today i received a letter dated the 16th of may saying

 

We have replied to your query we wrote to you recently with answers to your query

and we can now sort out a payment plan.

 

I called them to tell them i had not received the reply.

I didnt go any further or be dragged into any conversation

other than to ask them to resend the reply as i had not received it.

 

 

they said they would resend the reply which was dated the 2nd of may,

and guess what? i had 14 days to reply ! isn't that quite the coincidence.

 

I am now awaiting their reply to my query,

which i am guessing is some sort of dodgy payment i have never made

( I have heard they use this tactic ).

 

I guess I am just wondering what my next step should be?

 

I thank any of you that take the time to look at this for me.

 

Collins1983

[silverfox1961]

Hi and welcome to CAG. I have moved your post to the right forum so that you won't get missed.

 

I suggest a formal Complaint to the Leeds Losers regarding their not acknowledging that this debt is SB. Make sure the letter is headed 'Formal Complaint' and also;

 

'I acknowledge no debt to you nor any company you claim to represent.'

 

As for your credit file. Lowell are not the original creditor and as such they cannot place a default. All they can do is replace their name on a default that had already been placed by the original creditor. What is the original default date?

 

When writing letters, I like to advise that you send it signed for but if the cost is a problem, get a free proof of postage from the post office.

[silverfox1961]

If you were to check your credit file now, this default should have disappeared (based on your pm). It has been known that some creditors apply a second default in error and if this is the case, it should be easy to remove.

 

Noddle do a free service but there is also Experian, Equifax and CallCredit who will have copies of your credit file which you can get for £2. You can also sign up to Creditexpert for a free trial but you must remember to cancel as soon as possible or you are lumbered with a monthly fee.

 

So long as you are absolutely sure that no payment or written acknowledgement of this debt has been made since Dec 06 then they will have very great difficulty enforcing this as Statute Barred is an absolute defence (should they try it on)

[collins1983]

Thank you for moving the thread.

 

I dont have the exact date of the default, but i do know it was before my son was born in dec of 2006.

the default was put on my account in the 8th month of last year, how can they put a default on my credit score

after such a period of time?

 

Thanks

[collins1983]

ah thanks Silverfox ill check the credit file now. my experian has expired so i will use one of the other options.

[collins1983]

Hello Silverfox this is what it says on my Public information

 

Bankruptcies and Insolvencies

 

You have no Bankruptcies or Insolvencies recorded on your report.

 

Judgments

 

You have no Judgments recorded on your report.

 

Also in the credit report history there are no defaults only searches from general insurance companies. ( due my car im guessing )

 

I used Noddle. do you suppose this means they removed the default? is Insolvency another term for default? please excuse my lack of intelligence.

 

thank you

[silverfox1961]

Noddle can be a bit slow updating files but in general, they are as good as the rest and no, insolvency has nothing to do with defaults.

 

Your credit report sounds much like mine. Plenty of searches but little else.

[collins1983]

when i used experian earlier this year it showed the default. If a default were on my report what Noddle would show it in public information ?

[silverfox1961]

Why not send off for a statutory report from Experian. £2 well spent (IMO)

 

http://www.experian.co.uk/consumer/statutory-report.html

 

Credit reports do change on a day to day basis

 

You could also do Equifax as well if you wish.

 

http://www.equifax.co.uk/efx_pdf/CreditReportApplicationForm.pdf

 

I wouldn't bother with callcredit as it is they that run Noddle

[collins1983]

i tried equifax it wont accept my card number..... bugga

[dx100uk]

defaults are shown on the account or closed account section

not under public stuff.

 

 

if the debt does not now show

 

 

it means it was defaulted more than 6yrs ago

and has not been removed.

 

 

whats the debt all about please

 

 

what type

and who was the original creditor.

 

 

dx

[citizenB]

i tried equifax it wont accept my card number..... bugga

 

Why are they refusing to accept your credit card details ? This is not the first time I have seen one of the CRAs refuse a genuine credit card and in some instances, Visa Debit cards ?