NPower - Lowell Utilities debt sold

[BStealth]

Morning, have seen a few of these pop up on here this week.

N Power acct sold to Lowell on 2/10/20.

N Power acct 'now closed' and sold with balance of £380 for between 10/10/14 - 19/03/15. 

 

N Power default on my credit file is dated as settled with a balance of £0 on 16/07/16. 

 

Q: Default has been listed as £0 for 48 months on my credit file. Can this now change and can Lowell list a new default?

Q: Is this debt to Lowell payable if the N-Power default is showing as £0 balance?

 

As a side note, I notice that I contacted N-Power in July 2019 as I claimed they submitted the default 8 months late as according to the ICO guidelines of the default being registered within 6 months of the final bill (is this true?) They claim i allegedly agreed to a repayment plan. I've just noticed that they never provided me evidence of this and so I've chased them again for this today.

 

Regards,

[AndyOrch]

Quote

Q: Default has been listed as £0 for 48 months on my credit file. Can this now change and can Lowell list a new default?

Q: Is this debt to Lowell payable if the N-Power default is showing as £0 balance?

 

The date cant change..only the creditor name

Theoretically its payable to Lowell now as they are the legal owners.....

 

Forget Npower for now and await  LOwells calling cards.

 

Andy

[BStealth]

Thanks Andy,   re your point on the creditor name. I had an mbna debt sold to PRA group. PRA group default then registered on the credit file and MBNA remained and so that means a new default can be listed?

[AndyOrch]

Yes when a debt has been assigned it must be changed on credit reporting to the now legal owner.....but the initial default date cant be changed...its not a new default ...simply a name change and will still fall off after 6 years from the initial default entry date.