Lowell threatening to default TalkTalk Acount - Can they?

[kernowlife]

Just a quick question

 

If the original creditor has not registered a default against you, would a dca (lowells) be able to?

 

Background.

 

I was with talk talk at a previous address.

Having lost my job and being in rent arrears, I moved out of there

and spent a couple of years in grotty bedsits till I got myself sorted.

At the time, I wrote to talk talk stating I was cancelling the contract for the above reasons.

 

12 months on and I received letters from talk talk saying I owed them over £200.

I queried this and was told,

we never received the letter and there is nothing on the computer.

After arguing for about 20 mins we were at stalemate.

 

fast forward another 9 months and Lowell are chasing me for said amount.

Having had nothing but trouble from them for years,

I registered a formal complaint with them disputing the debt.

 

After 8 weeks of "investigation" we have spoken to our client who state

"We never received the letter and there is nothing on the computer"

 

I have no intention of paying this because I did cancel.

Incidentally, out of all alleged debts with them,

Lowell have not ever received a single penny off me.

 

I have no problem with ignoring them.

however my concern is whether they can issue a default against me.

Talk talk never did.

 

 

I am so close to having my other defaults drop off my credit file

and getting some semblance of financial normality

that I am concerned this is going to screw it up for another 6 years.

[AndyOrch]

In a word ............no.

 

Andy