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lowell changing default date on old BT 'debt'


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Received letter for old debt for default relating to old BT phone bill with a value of £143.

I thought I had paid this back in 2012.

Default from BT was on my credit file from 2012.

 

Last month I checked my file and default date had been changed to August 2016 and have received a letter from debt company who have been sold the debt.

 

I wrote to them to query change of default and say I do not acknowledge the debt.

Lowell said they are requesting statements from BT and will be in touch.

 

If I owe the money still I'm happy to pay it

but I want to buy a house and with default date being amended to 2016 it's ruined my credit score.

 

What are my options?

 

Credit company are Lowell financial ltd.

 

All help appreciated.

Thank you.

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paying it would not remove it so save your money!

don't forget a DCA is NOT A BAILIFF

 

 

if you've PROOF

of the original BT default date

then send that with a letter to lowlife

give then 14days to correct the error

or you'll be reporting them to the ICO

and seeking compensation

[how about £143!! - that should settle the debt!!]

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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Good ole Lowlifes and their telecomms 'debts'' they like to chase.

 

Check your CRF again, and ensure that its not just been updated, they CANNOT change the default date, absolutely NO, NO, NO.

 

Besides it's simply lowlifes, a powerless tin pot DCA, they are as much use as indicators on a submarine.

 

STOP dealing with lowlifes, deal with BT direct ONLY.

 

Don't talk to lowlifes, DON'T even entertain their silly game of letter tennis either, completely ignore them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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" Credit company are Lowell financial ltd. "

 

No BT are the initial service company....Lowlife are a defunct debt buyer who mislead you into thinking they are the creditor and meddle with peeps CRF to elongate the passage of time and stop their defunct debts becoming statute barred:wink:

 

Andy

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I've checked the default date and it's been changed again, back to 2011 which is great.

 

 

What's the next steps?

Is there a way for me to get the debt 'satisfied'.

 

I thought it was paid but if it's not I want to get it paid

but o don't want to change the date on the file as it's almost statute barred

so should fall off my file next year?

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paying the debt off will not improve your credit rating and the default shows regardless for 6yrs paid off or paying or not

makes no odds.

 

 

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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Share on other sites

The default marker will drop off next year, there is absolutely NO reason whatsoever to even entertain these children.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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