Lowell Claimform - old Three account and one for JD Williams

[jotty]

Been trying to get loan for a car but keep hitting the credit score problem.

 

 

When I check I have a couple of outstanding defaults from 3 phones on my file which seem to have been registered by Lowell in July 2013 for small amounts £57 & £125.

 

Cant dispute the validity as they came from a fall out I had with 3 over poor signal, but they sold the debt on anyway to Lowell.

 

Is there any benefit to paying the amounts and then trying to get Lowell to remove the defaults as a gesture,

 

 

I know they will come back with standard response of being entered correctly but it is just mad that I now earn in excess of £45k a year and still cant get proper credit.

 

Any advice please.

[silverfox1961]

Hi

You can try to negotiate with Lowell but I think it would be a waste of time. Creditors would rather pull teeth than remove defaults. Don't pay and then ask. Tell them what your proposals are and wait for a response.

 

You could try writing to Three and complain that due to the poor signal you got, a dispute arose and they failed to resolve this before selling the debt on.

 

What may help is if you put a notice of correction on your credit file to explain why these defaults occurred. This can be up to 200 words and future creditors may then take this into account.

[ericsbrother]

they wont remove them, even if you paid a fortune to them.

 

 

Mobile phone accounts are the biggest wreckers of peoples credit files because they are for small amounts

 

You will need to sort out the original matter with 3,

 

 

if they were in the wrong then you need to take the initative

 

When a company does credit checking they dont know if you earn £5 or £45k so that wont be a decider

[jotty]

Thanks to both, the ship re 3 has sailed maybe.

 

 

I returned the handsets but got stung for the contract as I wasn't able to prove signal even though I sent them pictures and many emails.

 

 

I changed to O2 with no problems and it is now so long ago that I dont even have paperwork from them.

 

Was hoping that Lowell would take the money and concede that it is unfair to continue to punish me for the indiscretion.

[jotty]

Sorry for not posting but I have done this many times after the advice on this brilliant forum, but long story short I had a court claim issued by Lowell’s re an old Three account and one for JD Williams which they had conveniently bundled together as a single case. 
Anyway went through the months of legal tennis during which time as always they failed to provide any actual proper paperwork.

 

Just as I was about to comply with pre hearing request and send off my WS I had a letter from them to say they have discontinued the case. Of course I will check with the court but as the excellent mods on here say Don’t ever lie down and give in to these Sharks - never, ever.

[AndyOrch]

In connection to the following ?

 

 

[jotty]

Flipping eck Andy I had forgotten about that post, but yes one of the accounts which they had managed to keep just within SB territory.

 

I know at times you guys must wonder why you keep doing what you do, but without the advice/guidance and being there it would never have given me the confidence to deal with these people.