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Lowell - 3 Networks - Default on my Credit Rating


celtic123
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Hello All,

 

Hoping this is in the correct forum.

 

I am stuck in limbo with Lowell and 3 Networks with a default on a Pay as Go direct debit, which should not have been there.

 

I called into the 3 Networks Store and asked for my direct debit to be cancelled, I also left £40 credit in that account.

 

It was agreed into store that no money would be owed, I unfortunately do not have anything to back this up in writing :(

 

I went to apply for a Mortgage last year and was told by the broker to check my credit rating,

I checked my credit rating and seen 3 years of defaults for Lowell.

 

 

I called Lowell up last may and they told me this was a 3 networks debt,

I explained my case and Lowell told me to pay the £25 and all would be ok,

that this debt would be cleared from my credit rating, it would take up to 50 days.

 

I called Experian to see why this was not cleared as a default on my account,

they said I would have to talk to 3 Networks as the default came from them.

 

I spoke with 3 Networks,

they understood the issue and want a letter from Lowell to say the debt has been cleared

and that there has been a miss understanding,

 

 

Lowell said they dont do that, however a lovely lady in customer service said she would try her best to talk to 3 Networks.

 

Both Parties just need contact but either one will contact each other,

is there a way to make them speak to each other and clear my default which should not have been there?

 

This is the only default on my credit profile, will this affect my credit rating going for a Mortgage?

 

Thanks for any help on this

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the issue is with 3

lowells fleeced you blind.

 

 

many mortgage providers ignore the odd gadget debt now-a-days.

as that's what it was , a gadget.

 

 

pers i'd write to the CEO of 3 and ask it to be removed.

 

 

dx

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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Right stop talking over the phone, youve been had.

 

A Default remains for 6 years nonetheless and has to show the true reflection of the account unless there has been a massive mix up.

 

Email the following with a complaint;

 

 

This will get them talking to each other.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Hello All,

 

Hoping this is in the correct forum.

 

 

Afraid not this is for catalogue debts...thread moved to Debt Collection Agencies.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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think that was me sorry

 

 

meant to put it in the telecoms one

 

 

dx

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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  • 2 weeks later...
Thank you both for the replies, I will email the above :)

 

Sort the spacing out in the email addresses otherwise they'll come back as delivery failures.

 

I've also got a lot more email addresses for Lowells - emailing all of them should get a quick responses. I've also got about 200 individual email addresses for Three as well.

 

And about 60 for Drydens - I'll forward all of them on to whoever might need them. I'd really hate for all three companies to get their inboxes filled up.

 

I'd also advise setting up a free hotmail account that you can afford to drop at any time.

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