I will have a real think, obviously a higher amount would be great especially under current circumstances where my work hours have been cut due to covid. Let me just say now you have all been absolutely amazing and I can't thank you enough already for giving your time and vast knowledge, and for straight to the point no nonsense answers, you are all genuinely supportive. This site is absolutely incredible. People would have to pay a lot money to get this advice from say, a solicitor and it is much more convenient than waiting for an appointment with CAB. Thank you!.

I must confess to getting cold feet upon taking on tesco. If they challenge me I don't want to end up with nothing, i.e. eventually losing the £50 because they have said that is their final offer. I know you think I'm bonkers but am tempted to just take the £50 and just finally put this whole saga behind me, drawing a line under it and my credit file being fixed is all I wanted.

Sorry the SAR request I sent wasn't signed by me. I got the impression it should have been.

4th November 2020. And yes, having looked on the link just for starters my letter isn't signed.

SAR request

This is the right to escalate section

I thought I had started a new thread. I thought I'd posted the link

Tesco mobile have given me 14 days to accept a goodwill gesture of £50. I shall try to be brief about the issue. In 2018 I paid a final settlement on a contract mobile phone that got broken and was no longer usable. Tesco advised the account was closed and no further action was required. However they in fact put an unpaid default on my credit file and sent Lowell Debt collectors after me. On one instance I was told by a tesco employee on their facebook chat page to just "take on board that Tesco had been generous enough to let me exit my contract early with a final payment". Lowell would not take any notice of what I was telling them. I was going backwards and forwards. In July 2020 Tesco promised to resolve the matter, but I still received letter's from Lowells and the default remained on my credit file After requesting an SAR in October 2020 Tesco finally paid attention to me and have offered £50 compensation which I have 14 days to accept. tesco letter.pdf

Ok no problem, I'll sort it out a bit later if that is ok. Thank you for your time.

I'm going to send a letter saying I will not settle for less than £500, and add the points you have mentioned. I have nothing to lose after all. What's is the worst they can say - No jog on love? Thanks

Really? That's interesting. Do you think I should say - Thanks and £100 will settle them account. Happy to push it if I can. *The not them

To be honest I'm happy to accept the offer of £50 and finally draw a line under it all. Thank you all very much for helping me resolve a long drawn out battle.

they offered me a £50 tesco gift card as a final settlement and have confirmed in writing that they have instructed Lowell to leave me alone and change my credit file. Am surprised they can only provide up to 12 months of notes for an SAR though? tesco letter.pdf

Well thank you for your help, I sent the letter to Tesco asking for an SAR and received a voicemail from them saying they were looking into it. Lo and behold I check my credit file this new month and the default has gone and the account says paid and closed. After 2 long years back and forth suddenly its done just like that!. Thank you for your time

Ok, thank you both BankFodder and dx100uk for all your help. I shall keep you posted.