Thanks for reply It was originally a loan with egg from 2004 that was defaulted in 2006 due to divorce, Egg sold the debt to Lowell in 2008, i arranged to an agreement with them at £50 per month by DD which i have been paying ever since, unfortunately this month i had to cancel it as had no money to pay, The default is no longer on my credit profile as it dropped off in 2012 my profile is now completely clean, they did try and repost the default dated 2010 for the same loan but i complained to experian who got them to amend as the same debt cant be defaulted twice apparently What would a cca request do. If requested if i have admitted to the debt and been paying it regularly

Hi I have recently in the last 4 weeks lost my job with no notice( was in probationary period), due to this i had to cancel my regular £50 dd to lowell as i couldn't afford to pay priority bills. Lowell have called me today and stated unless i make up the payment within seven days court proceedings will apply, i have been paying this religiously for the last 5 years and have never missed a payment before, the default us no longer on my credit profile as the original debt to egg was over 8 years ago, my profile is now clean and i really dont want a ccj affecting it after years of hard work to pay off all my debts, How do i go about proceeding with this, i have never once received a statement of my account with them so am unsure as to what the remaining balance would be, the original default was for £8000, Once back in employment i have no problem with paying but now im really angry as at least i have been trying to stick to my arrangement, i have no income whatsoever until i find new employment, and also have 3 children to support, please help!!!

Hi I'm new to this site but would appreciate any help I can get. I had an Egg account that defaulted and was sent to Lowell. The original default date on the account was 28/3/06. I'm in an arrangement with Lowell to py off monthly and gave been doing so every month. This default was has now been removed from my credit profile as the 6 years is up. However!! Upon checking my credit report today I now have the same default attached from egg dated October 2010? It states settled but this has never shown on any previous credit reports I have recieved? I have protect my I'd and check regularly, o checked on the 14th of this month and it wasn't there. I'm now stuck as my profile was clean after this default dropped from Lowell, is this legal? I feel as though they have now moved the goalposts and I'll still gave the default for another 4.5 years.....!!!!!! Any help would be greatly appreciated