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Lowell and credit history info halifax bank account

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Hi all,

 

Some years ago I had Halifax bank account wih big overdraft limit.

Due to financial difficulties I had to use it all and couldn`t pay it back.

 

 

Now I`m back on track and willing to clear that debt.

Lowell has been sending me letters to pay it off,

even when I moved - they tracked me down via credit referencing agency.

 

I phoned Halifax,

but they said I need to contact Lowell as debt has been sold.

But I don`t want to pay any money to parasites like Lowell,

I`d rather pay back the bank I took money from.

 

1. Can Lowell run searches on my credit file without my consent?

 

2. Can bank refuse to accept my money?

 

3. Can Lowell report to my credit file every month this debt as per screenshots below?

If they carry on, 6 years never going to past and it won`t dissapear of my file.

 

Any advice?

Thank you.

 

I have got all three credit files - Callcredit, Equifax and Experian. These are screenshots regarding Halifax and Lowell.

 

Halifax1_equ.jpg

Lowell1_CC.jpg

Lowell1_equ.jpg

Lowell1_exp.jpg

Lowell2_exp.jpg

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doesn't matter what they put

makes no odds

the debt is defaulted

it will vanish from your file on the defaults 6th birthday.

doesn't mean its not owed still mind

 

 

paying it wont improve your credit score

 

 

id be sending an sar to Halifax

get all the statements

and lets see whats reclaimable


please don't hit Quote...just type we know what we said earlier..

 

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There are few detauls now across all three credit agencies as per screenshots above. Which defauls will vanish?

 

Halifax June 2014

Lowell April 2016, September 2015/2016

Lowell June 2014

 

What do you mean what is reclaimable?

 

Will prepare SAR today and post it on Tuesday.

 

Thank you.

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forget the calendar markers

they have no bearing at all

the defaulted date in the summary


please don't hit Quote...just type we know what we said earlier..

 

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That means I have two not three default markers:

 

- Callcredit, Lowell, 24.06.2014

- Equifax, Lowell, 24.06.2014

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which are the same date

and will not be harming you more than 1 default

a debt can only be defaulted once.

 

 

there is nothing wrong


please don't hit Quote...just type we know what we said earlier..

 

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Where should I post my SAR?

 

Two different addresses:

 

https://ico.org.uk/ESDWebPages/Entry/Z7828948

 

https://www.halifax.co.uk/securityandprivacy/privacy/

 

SAR template contains this:

[now go read post 3 of the sar thread on what info to put to ENSURE you get ALL the info you need - dx]

 

I checked post 3 on SAR thread, but there is no info on this?

 

Because I have moved since then, I will add copy of council tax bill. Should I also add copy of passport? Might save time if they ask for copy of ID.

Edited by Depo

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Click sar

 

Address is in this forums sticky?


please don't hit Quote...just type we know what we said earlier..

 

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Yes, ICO page has address, but bank`s webpage has a different one :???:

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DSAR

PO Box 791

Leeds

LS1 9LR


please don't hit Quote...just type we know what we said earlier..

 

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Does Halifax as part of my SAR have to provide documents related to sale of my debt to Lowell?

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NOA can come from either


please don't hit Quote...just type we know what we said earlier..

 

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I have now received HUGE stack of documents from Halifax.

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that's good


please don't hit Quote...just type we know what we said earlier..

 

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What are next steps?

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so since april have you not been reading up upon how to reclaim unlawful penalty charges that might be inflating the balance.


please don't hit Quote...just type we know what we said earlier..

 

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I have already claimed from Halifax years ago unfair direct debit charges. Done and dusted.

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you could said that back at post 2.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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the debt is defaulted

it will vanish from your file on the defaults 6th birthday.

doesn't mean its not owed still mind

 

paying it wont improve your credit score

 

 

At all?

 

What incentive then there is to pay the debt?

 

Halifax default will go, but Lowell keep reporting to credit agency every month as still owed.

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read my post again..


please don't hit Quote...just type we know what we said earlier..

 

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