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    • Did you send the note giving them the extension of time? When does the extension expire/date for issue of claim? I see that this thread started on 25 October. I have to say that when it started I thought it was going to be a quick fix and hadn't bargained for virgin's ineptitude which has certainly made it a lot more interesting but I'm hoping that March is going to be the month that it will finally all get sorted out. Surely someone responsible within Virgin has got to start taking a look and understanding the extraordinary mess that they have built for themselves and want to sort it out.  
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    • no go back and read my guide earlier CAREFULLY...
    • Oh ok.   I thought I would need to write some sort of defence when I acknowledge the claim on the mcol website.
    • woe SLOWDOWN>   your defence is weeks away. (day 33) no there are no templates as each claim is unique. however, if you use our search top right. for say claimform card you'll see numerous versions people have adapted based upon our std holding/no paperwork defence , one of which, might well be suitable.   get CCA/CPR requests running monday and get AOS done now on mcol, you've already lost 10 of your 19days to do AOS   then get reading up as i detailed above the more you read here the stronger we become   dx      
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Lowell 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.

 

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

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

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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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,. 

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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

 

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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i sent it off last week. and 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, becuase 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. 

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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

 

 

 

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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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.

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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 

 

 

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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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 su prim lenders. 

sub prime lenders

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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.

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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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 ppl 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. 

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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.

 

 

 

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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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. 

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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

 

 

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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