Hi all,
Figured this was the right place to post this as I seem to be entering the purely "Legal" side of this situation.
I'll try to be brief:
Loan taken with HFC bank in 2007
Defaulted Oct 2008 - No payments made since.
Debt sold to Lowells in 2011 who look to have re-defaulted it.
Lowells try to take me to court August 2015.
Sent request to send copies of my credit agreement (never received).
SAR sent to HFC for all account details (received 51 days later).
Lowells fail to deliver any goods and send a Notice of Discontinuance in December 2015.
Default is still on Credit file.
I send letter to Lowells requesting they remove default January of this year.
Eventually (40 days later) receive reply from them stating they can't explain why the default was placed 3 years after my last payment to the account, but they have done nothing wrong and therefore won't do anything.
So, what do I do?
If needed, I can post a scan of the letter when I get home tomorrow.
I understood it is a general rule that defaults should be placed on an account within 6 months of the final payment.
Any guidance appreciated!