To make things as clear as possible:
Loan taken out September 2015 from 118
Stopped paying November 2015
Buried my head in the sand until August 2018
Realised default placed on credit file for May 2018 (2 1/2 years later)
Lowell buys debt in August and place another default dating August 2018
As I received 2 letters from 118 introducing Lowell I know my first step is to complain to 118 about the date the default was reported. Before I can
If worded correctly is a backdate default request to 118 an admission to owning the debt to Lowell if I choose to stall them with a prove it letter? Best case would be for 118 to backdate my default, Lowell unable to prove it & be left with no choice but to remove default and stop pursuing me.
Thanks for your input/advice in advance