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debt not linked to you but still on credit file


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A credit card debt was defaulted in 2008 and

I received a notice of assignment of it in 2012 to Lowell's.

Soon after I received a solicitors letter saying 'we are giving you notice of legal action'.


Sent Sec78 to original named lender,

and Sec78 to Lowells.


Original lender didn't respond, but

after chasing Lowell's up they wrote saying

"we've concluded debt is not linked to you,

as such have removed your personal details from our data base,

and you should contact the credit reference bureaus to review your credit file".

They also returned the £1 postal order.


The credit card debt is still showing on my credit file as in default to Lowell's

using the credit card account number shown in the assignment

- its nearly 6yrs since the default date listed.


Despite supposedly removing me from their database,

Lowell's have written to me again this year quoting the same Lowell's reference number,

the same debt amount, and almost the same credit card number but they've changed one digit.


The letter said one of our debt collection agencies will be in touch as you've failed to pay.


Sent Sec78 again to original lender and Sec78 to Lowell's quoting new credit card number given.


This time original lender wrote back saying information provided does not correspond to any of our records.

But I have heard nothing from Lowell's.


q1. Should I chase up Lowell's again about the ignored Sec78 request with the different credit card number?


q2. Can I do anything about Lowells giving me a letter saying debt

is not linked to you but them still being listed on my credit file with the credit card number

and debt amount which they say is not linked to me?


q3. Should I do anything Lowell's saying they've removed my personal details,

yet two years later they are using the same Lowell reference number

and debt amount linked to my name and address, but slightly different credit card number.


Thanks for any help.


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so it will be on all three cra files too.


now lets get some basics first.


this 'debt'

even though they have numbers wrong etc etc


DID YOU ever have this card at all, i'e WAS there ever a debt like this?


if not


then you are in for some compo here


you need to findout how long this has been trashing your file

and who

if it was not Lowliife put it on your file.


data mining time me thinks


though how you are going to get any data out of the OC

when the debt is not yours will be fund.


I think the CRA people will be your first port of call



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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A nice but very robust Formal Complaint to James Cornel CEO the Lowell Group.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hmm. Thanks, but I'm not exactly sure what I'm trying to achieve. I suppose I'm just fishing to see if anyone says, you should be doing this..etc. I've learned a lot from CAG website and everyone's help and advise. I suppose as long as they are unable to respond to the Sec78 then it's unlikely to go anywhere, for the moment at least.

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