Provident/ Lowell issue

[gibster1957]

Wonder if anyone can advise on the problem my partner is having with Lowell.

 

 

Following is a timeline of events:

Partner had problems paying provident and was defaulted on 4/1/2010 but was paying 1pound a month.

 

Debt sold to Lowell on 22/5/2015

 

Sent for cca on 24/7/2015

 

Letter from lowells on 3/8/2015 -they have requested credit agreement.

 

Letter from lowells- 4/9/2015- no cca closing account

 

Letter from lowells- 16/9/2015 Copy of signed cca with terms and conditions.

 

October 2015- started repayments again.

 

The problem now is that lowells have put a new default on her credit file even though it had disappeared some months beforehand.

 

 

Can they do this after the original default was in 2010?.

Any help would be very much appreciated.

[unclebulgaria67]

So the new default means it is on there for another 6 years, which seems unfair. Suggest a formal written complaint to Lowells stating that the new default is unfair and that you wish the FOS to review this, therefore if they won't review this, to issue their final response to save any delay.

 

Technically the account has been in default since the payment problems started in 2010 as the full contractural payment has not been met, but to start a brand new default starting say October 2015 is unfair, as it means the default in on record for much longer.

[Bazooka Boo]

I wouldn't be paying lowlifes anything, if they bought it from Provi, then I would have stopped payments immediately, as your agreement to pay £1 a month was with Provi NOT lowlifes.

 

As for them adding a new default on your account, then you need to place a notice of correction on your file against the incorrect entry, and lodge a formal complaint to the Credit Ref Agency demanding the data be removed as it is incorrect. They will then contact lowlifes and agree that lowlifes are processing your data correctly and that it won't be removed, that's your go ahead to lodge a formal complaint with the ICO.

 

The ONLY company that can mark your credit file with a default date is the OC, and the tin pot powerless third party DCA can ONLY update the date, they cannot alter it, or add a new default, start complaining and complaining very loud.

[fletch70]

I assume the terms are from the back f the agreement.

 

My provident loan was closed because all they could supply was a copy of the front . Reading carefully there was reference to overleaf and no overleaf

[dx100uk]

no lowells cant change the OC's defaulted date.

 

 

have you proof of defaulted date by CRA file copy or DN copy?

 

 

dx

[gibster1957]

Thanks for your advice guys.

 

 

The original default date on cra file is showing as 04/01/2010 and had dropped off

but it is now been put back on by lowlifes with a default mark for November.

 

 

Would it be worth my while writing to lowells and demanding this be taken off as they were not the oc and can't do this.

[fletch70]

What does the date of default say as it wouldn't normally drop off for 6 clear years I.e three weeks time.

 

 

Could they just be remarking the original default. If not complain to lowells

[dx100uk]

id guess they are marking the monthly calander with a D or 8 or something

 

 

that has no relevance to your score

neither does it change the OC's defaulted date

 

 

as long as Lowell have not changed the OC's defaulted date

with their entry for the same account

 

 

then there is nothing wrong here at all.

 

 

as pointed out

the whole account will vanish on the defaults 6th birthday..

doesn't mean the debt is not owed mind!!

 

 

dx

[gibster1957]

Ahh so it will drop off Jan 16 at the 6 year marker. Yes dx the debt will be paid very shortly as it is not a great amount but was just worried that this would be on my partners file for another 6 years when her credit score is getting a lot better. As always, thank you all for your help and advice you all provide a great service. Thanks guys.

[Bazooka Boo]

One individuals credit file/score has nothing to do with anothers, unless there is a financial attachment to both parties.