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Lowell/o2 default query

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Hi,

 

I've been looking through my credit report and have realised I have 2 'settled' accounts, both with defaults registered.

One is with o2 and another is Lowell (an o2 account!) - I've emailed both companies to try and see if it's the same debt or not!

I don't ever remember having 2 phone contracts out at the same time...

Am I correct in saying only 1 of them can register a default if they are the same debt?

 

The o2 default was registered September 2014 & the Lowell default was September 2013 - both completely different amounts.

 

My question is

- if those 2 defaults do happen to be unrelated, they will drop off my credit file after 6 years.

Does the whole account drop off my credit file too, or just the default?

 

I'm confused because although the date of default is there, my payment history still shows the default until the account was partially settled.

Lowell account end date is registered as 11/02/15

 

Does this mean there will still be evidence of the default and 'satisfied' until 6 years after that date, or will it disappear after 6 years of initial default?

]

Defaults.pdf

Edited by dx100uk
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the whole account will vanish on the defaults 6th birthday.

 

why are you blindly settling debts with a DCA?

 

they are not bailiffs and have zero legal powers.

 

I would suspect these are 2 sep accounts as a dca cannot default a debt only the OC can .

so they defaulted it before sale to lowells


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Thanks very much fkofilee, will have a wee read of that now.

No idea why it ended up being passed to them but it was only 30 odd pound, kicking myself now for not paying it!! Oh well at least it'll be gone next year.

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

 

why are you blindly settling debts with a DCA?

 

they are not bailiffs and have zero legal powers.

 

I would suspect these are 2 sep accounts as a dca cannot default a debt only the OC can .

so they defaulted it before sale to lowells

I was young and obviously didn't care! Also didn't know CAG existed at this point. Soon as I saw this earlier though I immediately thought about you with your "they are not baliffs and have zero legal powers" posts everywhere! Wish I had known this back in 2013.

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:yo::yo:

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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