Non payment now showing on credit file after 3 years

[teeach]

These virgin entries were blank but recently showing as missed payment, the address is my parents and I have no idea what these are?

 

I can only think that there may have been some rolling contract Sims?

But shouldn't these have been defaulted?

I can't go another 6-7 years until these come off.

I was looking to get a mortgage in around 3 -4 years 

 

Also any idea why these lowells still show?

No default date thou it says they are in default.

 

credit file.pdf

Edited December 30, 2021 by dx100uk
pixs to PDF

[unclebulgaria67]

For Virgin Media, suggest you send them a request for the information they hold on you using SAR template letter.  The entry suggests you had a contract with them and not a pay as you go arrangement.  You can raise a dispute with them about the entries.

 

For the Lowell entry, this does not show when you missed a payment.  Contact the Bank you had the credit card with to get hold of your information.  When did you default on paying this ?  Did you take out a credit card in 2016 and then default soon afterwards without paying ?

[dx100uk]

these debts have been sold to lowell DCA, and prior to this sale, were the A/C's showing against Virgin Media/original creditor but not missed payments?