Lowell BT Telecom account in default reported on credit report

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Its not my acct. I cannot ignore bc its on my credit report. Its the only derog on my report.

For various reasons it need to come off if

lowell can't prove its mine.

please advise how to challenge lowell the acct is mine, balance defaulted etc.

[dx100uk]

so you have never had a vodafone mobile phone in 2013?

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The last payment on this account was made for £108.85 on 13/04/2015 before a default was applied on 10/12/2015 for the balance of £674.76. 

Lowell stated the above

that's exactly the same as the bt thread

correct. The Vodafone account is not mine. i never had the telephone number they cite as the number associated with teh account that they claim i owe £674. so i cannot ignore it because its on my credit report. i need to borrow funds, and this is the only derog stopping me.  help me challenge it,. 

[dx100uk]

A single mobile default should not hurt borrowing.

Your target would be vodafone

Lowell are merely a debt buyer

 

Hows the sar to vodafone sar going

 

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i sent it off last week. 

yes, i get decline because this shows as a recent and recurring default since 2015 on my TransUnion.  it needs to come off.

lowell is reporting, surely there is a way to challenge it, because if they own the debt, the need to prove the account is mine, like you said its the same information that was on the BT account a year ago.

help me challenge it please. 

[dx100uk]

silly markers in the monthly calendar section d d d mean nothing and can't harm you further.

its the defaulted date thats there in the summary status line that hurts you for 6yrs then the whole a/c will disappear then.

what is that defaulted date?

 

dx

 

 

 

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Maybe so, but i am harmed when this is not my account.

The last payment on this account was made for £108.85 on 13/04/2015 before a default was applied on 10/12/2015 for the balance of £674.76.  

this  in the text above.  please help me contest this. thank you.

[dx100uk]

well lets hope this time you see it through..not get help and disappear for 6mts......

 

you need to gather information not simply keep waving ones arms and going wah..wah i've got this problem

its wrong 

its not mine

its unfair

i want it gone now

 

you have an sar running to whom we believe is the original creditor vodafone.

you have an sar running to lowells whose name is shown as the owner.

 

from those we should be able to find the truth here and get a plan of action going forward.

 

however to date i'm not convinced a telecom default is the only reason why you are getting refused whatever it was credit wise that restarted your quest.

 

most if not all lenders today ignore a telecom default if thats all thats bad.. my gut tells me there are other reasons you have for being refused by whom on what type of credit and if they even gave a reason why..pointing directly to it being because of this default..

 

..if this is the only thing on your credit file 

 

 

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the reason this hurts my file is because it is updated every month continues to show default since 2015.  it is the only derog on my report. because it is updated every month, it hurts my score.

i got refused, but in other cases because of the default, i get offers at a much higher interest rates, and sub prim lenders. 

sub prime lenders

[dx100uk]

no calendar markers hurt your score at all once a debt is registered with a default at xxx date.

unless you have it in black and white from a lender specifically stating this default is the reason and the only reason why they refused you i suspect you have other issues that you are not spotting, like financial association to someone with a poor record or voter address issues.

a lender will rarely in this day and age refuse credit for a single telecom default.

we've seen lots of people get mortgages with telecom defaults here.

your credit file is not the only source of info lenders use to make their decisions.

[Escaped]

not the case.

i am on the electoral roll, and don't have any one associated with me at all. 

i got a refusal stating recent defaults, this is one that is updated every month, the point is it is not mine.

now i have another question unrelated to this.

i have a personal loan with Likely loans.

i have had a payment holiday and times up.

i want to refinance this debt.

i have an offer for a much better interest rate.

im trying to see if they will take a reduced amount to settle given covid and many ppls are taking holidays.

Has anyone on this site discussed a range of discounts being given during covid to settle at less than the full amount? if yes what is the %.

i want to make them an offer.

i am happy for you to repost this ( cut and paste) on a new thread. 

[dx100uk]

start a separate topic in the PDL forum for the LL PDL hit Create in the top red banner.

 

when you get the data from the SAR's ...if that proves it's not your debt, it can be deal with.

 

however this LL PDL proves you do have other running credit account(s) which you've never related to owning

so it might well be, given these other account (s) you are considered too much of a risk, the tipping point being the default, which might be a good thing you are being refuse more.

 

i have had a feeling from day one we didn't have the full story regardless to being refused for a single default.

its a very bad idea to rely upon PDL lending.

 

 

 

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you have misunderstood.

its not a pdl loan.

its also not in default.

i have made the payments as agreed.

everything is good except the Lowell account.

 

lowell reports to TU there my score is 556, my Equifax is 589.

 

i am almost at the top of the score band on Equifax. Lowell doesn't report there. 

 

i am just trying to see what i can get away with paying less settling a debt for less, and get a better interest rate in the process. all my debts are paid on time for the past 6+ yrs except lowell. 

 

this is not a pdl its an unsecured personal loan. the link supplied doesnt work and is not the right topic. 

[dx100uk]

Just to be clear

the dca doesnt decide where a debt shows

the oc does that upon their backdoor sign ups with contractors.

 

lets await the sars

 

 

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Hello, i have  now searched back through my records on the BT and Vodafone accounts.

 

I will deal with the BT first.

I  asked for information on BT from Lowell .

Original balance they report was £499.93

Last pay date was 16/12/14.        

acct number ended in 875

original acct no end in 207 however they claim it was a mobile account ended in 1401 but its a landline

Default date is 08/2015

bill date is 27/03/2015

start date June 2014

account cancelled by BT

last pay £86.16

terminate fee £241.00

airtime £257.94

 

The above information is on a response letter from Lowell dated January 2020.  

 

" We have requested from BT a copy of the statements for the account to help clarify the matter for you, We will write to you further once we have received this documentation".  

This was the last communication from them other than debt collection letters.   

 

They claim airtime for a landline. I also cannot believe that there is a early termination fee for a landline.  What do i need to ask for to dispute this debt? 

                                                          

also how can they report the debt in default a year after i moved out of the property and the line was suspended by me? 

 

[dx100uk]

i refer you to posts 8, 17 & 25.

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i refer you to posts 8, 17 & 25.. it isnt clear what you are referencing.  please assist. 

[dx100uk]

5th time now...await a letter of claim..

 

not alot more you can do really...

you could waste more time and silly letter tennis to say BT and argue as you moved out xxxx date , they took 1yrs to register the default which if corrected, would mean the debt would not show now and thus be SB'd...

but its only got 4mts to go before it vanishes anyway from your file and becomes also statute barred.

i cant see lowells ever getting this to court in that time as:

 yet to issue a letter of claim - from that you have 1 month to reply

they must await another 1 month following your before ever issuing the claim.

 

 

 

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I keep getting emails from Lowell on an old BT account that was closed more than 10 yrs ago.

I have ignored it.

Do they eventually stop?

Otherwise do you have a standard letter to send them to get them to stop?

I haven’t had a bt acct since 2014.

Thanks.

[dx100uk]

old and new threads merged.

send them our SB letter from the debt collection section of our library

dx

 

[Escaped]

Hello and thank you for this!