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Help with defaults, Lowell & Three

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Hi,

 

I know there are a fair few similar threads here about the same type of things but I wanted to put down my details here in case there is any guidance with my specific situation.

 

I recently started looking into my credit report after being refused for a credit card.

I generally don’t use credit products but was advised that I should as I’m looking to get a mortgage in the next 2 years.

 

I found I have 4 defaults on there.

2 From Yorkshire Water.

One from Lowell (relating to a BT account).

One from Hutchinson 3G (Lowell).

 

The 2 Yorkshire water default are being removed after conversations with them.

These were at 2 addresses I was registered at living in but never actually did.

(A bit complicated, I rented a room in a property but was living with my girlfriend at the time. Early relationship, needed back up)

 

The Lowell default relating to BT is from one of these properties, but I put my name on the account so I accept this one.

 

The Three one is where it gets a bit more complicated.

My Mobile Phone contract is with Three and it has been for 7 years.

I have never missed a payment or been late with payments.

 

The problem with the default is that it’s showing separately and is registered at my parents address.

I live there when I was younger but not for about 12 years.

My father has the exact same name as me and lives at this address.

 

I believe this default is related to him in some way but I have tried contacting Three and they can’t find any record of the default. On the credit report it looks to be linked with my DoB but once again, I have no idea why.

It’s getting increasingly difficult getting any information out of Three in reference to this so I’m a little bit stuck.

 

Any advice on what my next steps should be in terms of both of these outstanding Debts would be great.

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How have you been corresponding with 3?

 

 

If it's over the phone or email then STOP, write to them, it might be worth sending them a SAR under the nnew GDPR rules and have them send you everything relating to your account.

 

 

 

If you can prove this isn't you account then they will have to remove the default.


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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what dates are the defaults?


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Hi,

 

I have been corresponding with Three over the phone. I have sent a SAR request using the form available on there website. Each time they have told me they can't find any reference to the default.

The date of the default with Three is 22/01/2014

 

The other default with Lowell has a date of 17/05/2014. I haven't had any correspondence regarding this one as of yet.

 

Thanks

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the defaults are within 6yrs so under the prevention of fraud act

and

the data protection act

 

they must hold data for 6yrs.

 

send them a letter stating thus and if they don't produce the data

you will open a serious complaint with the ICO and seek financial compensation


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

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Will Do, Thanks for the advice.

 

Honestly, I'm not as concerned with the BT one as I am with the Three one as I'm pretty sure that's on me but there's no harm in questioning it.

 

Thanks for your help.

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Exhaust their complaints procedure.


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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Hello,

 

I just wanted to post a quick update on this topic.

 

Three eventually managed to find the old account but are yet to respond to the SAR.

 

They had sold the debt to Lowell who I also submitted an SAR to and have not received a response. These were all sent recorded delivery and we are now past the 30 days of when they received the requests.

 

I admit I did make a mistake and emailed Lowell asking for an update on timescale which Bazooka Boo advised against which is my bad, but they replied to this stating they have 40 days which confused me.

 

Should I send another letter warning them or complain to the ICO directly.

 

Thanks

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they only have 30 days

off to the ICO


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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