Defaulted credit on file from British Gas, BT and Lowells - HELP :0(

[jinky022002]

Hi guys 

 

First post so apologies if I've made any mistakes on posting location or if this information if held in a general file location.

 

I have been declined a Mortgage recently based on defaults on my credit file that I genuinely didn't know anything about (details below) 

 

• British Gas - Defaulted in July 2019 owing £1,871 and £992 (settled Oct 2019) 
• Cabot – Defaulted Sept 2017 owing £330 (settled July 2017)
• Lowell – Defaulted May 2018 owing £79 - 
• Bt Consumer – Defaulted Feb 2016 owing £34 - This one isn't even in my name! 

 

I was looking to see if anyone has a process or maybe letter templates for challenging Defaults and ultimately getting them removed from credit file?

 

I have spoken to a credit repair company who are looking to charge me £250 per Default to have them removed, however I would prefer to try and challenge these myself however have no idea where to start. 

 

Any help appreciated. Happy to make a donation to the running of the site too if anyone can assist.

 

Many Thanks 

 

[dx100uk]

You cant get defaults removed

dont get scammed.

 

they would have been registered by the original companies before or upon sale.

[AndyOrch]

Quote

I have spoken to a credit repair company who are looking to charge me £250 per Default to have them removed

 

They cant be removed......but they can only be on your file for 6 years.

[jinky022002]

19 minutes ago, dx100uk said:

You cant get defaults removed

dont get scammed.

 

they would have been registered by the original companies before or upon sale.

Thanks for your feedback.

 

Is there a recognised process that you’re aware of to challenge these Defaults? 

21 minutes ago, Andyorch said:

 

They cant be removed......but they can only be on your file for 6 years.

Thanks for your feedback.

 

Is there a recognised process that you’re aware of to challenge these Defaults? 

[dx100uk]

probably one of the freeman of the land 3 letter syndrome twaddle companies that have been popping up on facebook of recent.

 

there was a rather large d-live conversation resulting from one of them if you followed the rabbit hole links on facebbok whereby the two main protagonists behind most of the adverts in various fake company names  claimed they had got the rankines case over thrown and you could now win by following the old twaddle. it got removed over xmas.

 

as for dealing with the defaults...1st i hope you've not settled these to DCA's have you?

 

if the defaults were a true reflection of the way you operated the accounts (bar the one you claim in not yours...more later) there is little you can do sadly, though appealing to the better nature of the original companies whom registered the default sometimes works esp if you settled the debt with them not a DCA.but why would they have sold it if you'd settled the debt. sadly i think you've been had blind if you've paid any DCA anything .

 

as for defaults preventing a mortgage

got to a proper broker that knows his onions, 

2 are settled so shouldn't be of an issues

1 you say isnt your ...tell us about 

one is with lowells now and unpaid...whats was the debt and with whom.

 

we have known people to get a mortgage with 5 defaults here all from 2018/9 period without having to get done over by a high rate of interest.

in this current climate it should be easy now to get a mortgage...

[jinky022002]

Thanks for the info...

I’ve not had any dealings with any DCA’s and I’m a little perplexed with some of these. British Gas for example I’m still a customer, never had a default notice, never signed a credit agreement but did change from Direct Debit to pay as you go smart meter in 2019. 
 

Cabot - never had any dealings with this company and never heard of them before yesterday! 
 

Lowell - I’ve found out today this was sold on by O2 (old Mobile phone) but I have asked Lowell that if I pay the outstanding balance will they remove default. Awaiting a written response. 
 

BT - No idea what this one is! 

Any help appreciated

[dx100uk]

Gas is not credit so no requirement for an agreement nor DN

Cabot -' settled debts dont get sold on...

 

 

[Bazooka Boo]

And even if you handed over your hard earned to losers Lowell they CANNOT remove the default, ALL they can do is simply mark it as satisfied.

 

In essence, DO NOT pay them a single penny, of course they will tell you the complete opposite, just to mug you off and use your money to buy some chocolate biccies.

 

Have you got a copy of, or looked at your credit file?

Edited March 8, 2021 by Bazooka Boo

[jinky022002]

Lowell have removed the default and it is no longer showing on my credit file. 
 

I found some useful info on another forum to raise a complaint with Lowell , request default removal to resolve the complaint and they did it. Removed it completely and I never paid them a penny - result! 
 

When raising the complaint I told them that I would be requested a copy of the original credit agreement and a copy of the original default notice from O2. 
 

Lowell advised;

 

I write further to our telephone conversation earlier today.

 

Thank you for your recent contact and for letting us know about your concerns.

As we discussed, the above account is now closed with a zero balance. I have also removed all information pertaining to this account from your credit file. Please allow up to 10 working days for these changes to update.

I am sorry that you were unhappy with the service we have provided and I hope that we have now resolved the matter to your satisfaction.    

The Dispute Resolution Ombudsman also provides a dispute resolution service to assist customers who feel their complaint remains unresolved. 

 

You have the right to refer your complaint to the Dispute Resolution Ombudsman, free of charge – but you must do so within 12 months of the date of this letter. 

 

If you do not refer your complaint in time, the Ombudsman will only be able to review your complaint in very limited circumstances. for example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

                                                                                                                                                            

For more information on their services, you can visit their website at ...removed.

 

Please let us know if you would like a copy of the Dispute Resolution Ombudsman leaflet sending out by post. 

 

Yours sincerely

 

Keith Jeffery

Customer Relations Officer

 

[dx100uk]

On 04/03/2021 at 18:45, jinky022002 said:

Cabot – Defaulted Sept 2017 owing £330 (settled July 2017)

 

On 04/03/2021 at 19:52, jinky022002 said:

Cabot - never had any dealings with this company and never heard of them before yesterday! 

 

so onto the next one...

 

 

[jinky022002]

10 hours ago, dx100uk said:

 

 

so onto the next one...

 

 

That’s the plan, contacting them today 

[London1971]

You can get a mortgage, and with far far worse problems than you on your Credit file. You need to find a good broker!