o2 have given me a default with no warning

[dx100uk]

a DCa cannot record a default on a credit file

 

all they can do is to update an already recorded default

place by the original company

 

if you say the file is clean

 

go check that on another CRA providers site too

just don't rely upon one

details are below.

get a screen dump to prove nothing shows or the report in PDF.

 

who is the DCA?

 

its been known for them to tell little white lies just to spoof money out of you.

 

you have to read their letters CAREFULLY

as they are cleverly written

 

certainly NEVER EVER ring or talk to DCa on the phone for sure

they ARE NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

[dx100uk]

well ofcourse they'll talk on the phone

and help

 

 

they've got you by the nuts once you are speaking to them.

 

 

if the debt is not showing

[and NEVER HAS?] of any [Experian/Equifax/noddle] CRA files

 

 

then theres something phishy going on.

 

 

even if

and I suspect that, the debt has been SOLD to lowells

it should STILL BE SHOWING

 

 

if it is def NOT on the three credit file providers lists

 

 

then get shots of them all

 

 

and as soon as [they might] register it

you hit lowells with a compensation claim for false reporting.

 

 

pers I think you've been had

and you've done what everyone innocently does

and rung them, knowing no diff.

 

 

...hey guys, we've got another mug here..

 

 

dx

[dx100uk]

does the account show settled with a bal of £0?

 

 

dx

[dx100uk]

if it shows all green

no lates or anything

 

 

lowells are spoofing you

 

 

simply ignore them.

 

 

are you SURE this is the ONLY o2 account you ever had

and it was not say a split one with a phone & a USB internet dongle thrown in.

 

 

no lowells as it looks

 

 

CANNOT default you.

 

 

remember the first rules of being a DCA

 

 

LIE LIE and LIE again to get money out of 'mug'

that falls for our silly letters.

 

 

dx

[dx100uk]

there certainly no 6mts 'rule' any more

 

 

however

 

 

lets just be clear here.

 

 

a DCA CANNOT default a credit file.

 

 

all they can do is 'buy a debt'

 

 

then 'update' that it is still in default, follow the original companies issued default.

 

 

if there was never a default listed in the summary line of a debt

a DCA CANNOT add one.

 

 

end of.

 

 

glad to help g'night.

 

 

dx

[dx100uk]

I take it your spell checker interrupted there

and you mean 'closed'

 

 

dx