o2 removed default, however Lowell aren't removing it as agreed with o2?

[KL2]

Quick q for everyone, in 2015 I defaulted on an account and agreed with o2 in 2018 to remove it as I paid it in full immediately after realising it defaulted (my fault but they agreed as I was a long time customer).

They told me to contact Lowell (who bought the debt) to get them to remove the default from their end, and every time I've spoken to them they tell me they will get it done but then it never ends up happening and it's been almost a year now.

What can I do? I have the original emails from o2 complaints saying it's fine for Lowell to remove it as they have now done, but Lowell have not yet actioned this after a year still. I've just sent another email saying I'll allow 28 days but then will raise it with the ICO... but I fear they'll just ignore me again.

[dx100uk]

you should NEVER use mail.

WRITE to lowells

give them 14 days to remove it else you will immediately contact the ICO without further notice and will be seeking financial damages to your Credit file too.

[KL2]

Thank you for this, shall I just print off the email from o2 and attach it?

 

Appreciate your response, so shall I just say they have 14 days to rectify this or I will raise it with the ICO.

[dx100uk]

yea sorry

inc the email copy yes.

 

no or about it

demand it.

 

despite numerous email request from @email dated xxxx regarding an erroneous default ref (their ref number) (original creditor ref etc...

you have repeatedly ignored me for 12mts .

 

o2 removed their default xxx date and happily settled the account, , you have yet to do.

 

i demand you now remove the whole account

 

should you fail to carry out my demand within 14 days i will immediately raise a serious complaint with the ICO without further notice and will be seeking financial compensation for your damage to my Credit file 

[fkofilee]

Hang on DX - I have a better idea

As there is no debt outstanding and the OP has proof - I think emailing the CEO could result in a rapid response.

 

Quote

[email protected] - CEO 

[email protected] - FCA Contact

[email protected] - Full Complaints Email

 

 

[KL2]

Have now just done this and said they have 14 days to rectify the complaint or I will raise it with ICO.

 

Appreciate your help, if this doesn't work, I will send them a letter via recorded post.

[dx100uk]

[KL2]

Will keep you updated! Let's hope I can get a few more defaults removed, touch wood!

[AndyOrch]

1 hour ago, KL2 said:

Will keep you updated! Let's hope I can get a few more defaults removed, touch wood!

 

 

I doubt you will have much success with this im afraid and would regard the o2 as a one off...you can't get defaults removed unless it was placed in error by the creditor or being a loyal customer, kinda defeats the whole point of the credit registering system and the principles laid down by the ICO (Information Commissioner Office) guidelines and legislation.

 

Andy

[KL2]

18 minutes ago, Andyorch said:

 

 

I doubt you will have much success with this im afraid and would regard the o2 as a one off...you can't get defaults removed unless it was placed in error by the creditor or being a loyal customer, kinda defeats the whole point of the credit registering system and the principles laid down by the ICO (Information Commissioner Office) guidelines and legislation.

 

Andy

 

I'm 2 down so far, this o2 one will be the third if it's removed.

I'm hoping to get another 2/3 off, as they're small amounts but we'll see - can only try!

[AndyOrch]

Worth a go...and I wish you the best of luck....but technically the creditor/supplier is in breach of the DPA/ICO legislation if they start removing defaults for none genuine reasons....and could find themselves receiving a hefty fine. 

[KL2]

Just now, Andyorch said:

Worth a go...and I wish you the best of luck....but technically the creditor/supplier is in breach of the DPA/ICO legislation if they start removing defaults for none genuine reasons....and could find themselves receiving a hefty fine. 

 

In fairness, most defaults had agreements back in 2015 to remove them once paid off, just didn't honour that agreement once I had paid them, so I'm finally chasing them up.