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Vanquis Now Lowell - Wrong default date recorded on Credit File, ICO said move it, lowells are refusing.


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During May this year I raised a complaint to Lowell regarding them wrongly registering a default on my credit account.

They had put the default date 18 months later than the actual default noticed received.

After asking advice during a different post DX suggested that I took the complaint further to the ICO.

Lowell sent the default 'we are looking into your complaint' but nothing within the 8 weeks.

Sent my complaint to the ICO and they have recommended that Lowell change the date or explain why the date are different within 28 days.

So we will see what they come up with.

Will update the post once I have a response from Lowell.

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Please can you post the response from the ICO here in PDF format.

Would you like to take an action against local for breach of the data protection act – inaccurate data processing?

Has this incorrect date caused you any difficulties or distress?

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Thanks BF,

 

Attached is the findings of the ICO.

The default should be off by now as over 6 years since the default notice.

It is more annoying than anything since Lowell seem to make it up as a they go along

ico1.pdf

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Thank you. So please can you address the other questions – what difficulties did this cause you and would you like to do something about it?

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Sorry I don't understand this.

I almost have the impression that you are saying that you would be to get credit in the future from the day the default should have gone – retrospectively?

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Could cause difficulties or DID cause difficulties.

If you applied for credit during the time that the inaccurate dates were on your file, and you were unable to obtain credit, then you would have a case to bring.

 

If it's simply surmising, and you didn't apply for credit and it didn't directly affect you, then simply forget about it.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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18 hours ago, just_jue said:

Hasn't really effected me at the moment,  but it will be difficult to get some credit from when the default should of gone 

And if this debt was subject to a court claim it would severely impact the outcome. Whether it be Lowell or the original creditor that is processing incorrect data would have an affect on whether they are fit to hold a credit  licence.

We could do with some help from you.

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  • 5 weeks later...

Lowell has refused to change the date as they say the default notice said 'may be placed ' after the 31st July 2017 and that payments were made after this date until the 2018 via a DMP, but no other DN was ever sent or shown in the DSAR I did

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  • 1 month later...

 Vanquis filed the default  later than you thought because you resumed payments..the default date is therefore correct.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Well whichever way you look at it you had an extra 15 months without a default being registered...so say if you was looking for credit around that period and you gained credit (and you have no other defaults) because they didn't file on time or terminate the account you would have got other credit.

It cuts both ways   you enjoyed an extra period without default but you lose now with regards to it being statute barred.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • dx100uk changed the title to Vanquis Now Lowell - Wrong default date recorded on Credit File, ICO said move it, lowells are refusing.
  • 2 weeks later...

then not worth it

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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