Experain Credit Report Found Lowell Defaults

[brassed-off-2]

just checking through our most recent credit reports, and have found that, lowell have been carrying out unrecorded enquiries, plus they have added 2 defaults to my husbands file one for credit card, one for communications.

 

also 2 on mine for communications. plus loads of unrecorded enquirys on mine,

as associated to husband aswell as my maiden name and variation of spellings on our surname...
whats my next course of action ? 
 
we have no idea what these defaults refer to, plus no record of reference numbers etc... to refer to in any letter of complaint i am going to make to them,
 
is there a template letter that i might find on this site, to request the necessary info off them, and what are my rights to getting them to remove these off our files and repair our rating...
 
help please, anyone?

[90DC]

Send them an SAR or a prove it letter. Ring them up and ask them to remove the default. Isn't it annoying? I'm defaulted and want to buy a house but i am using the time until the default is cleared (Six years from 12/2008) to save more money for a mortgage. Currently have £6100 and it will not be touched.

[Jesteruk]

SAR is the correct way to proceed. BUT never ring a debt collector!

keeping everything in writing will give you a paper trail that you can follow back. Should you ring them you will have no evidence and most DCA's are complete w**kers on the phone.

[brassed-off-2]

Thanks Guys

 

Do you know if i can SAR for both of us with the 1 fee of £10.00 or will i need to send 2 x £10.00.

 

Also how do i need to word it, to make sure i get all the relevant info from them.

 

Thanks

B-O-2

 

Happy Saving 90DC....

[SilverLining]

Have a look at BBC Watchdog (google BBC Watchdog Lowell) - interesting.... BBC - Lowell - chasing debts - Watchdog - Blog

 

Failing that you email the CRA requesting they show the account details of the accounts and they will reply with the data requested via email.

[gizmo111]

Do you know if i can Subject Access Request for both of us with the 1 fee of £10.00 or will i need to send 2 x £10.00.

 

You need to send 2 one for each person you are requesting info on.

[brassed-off-2]

Hi

Does anyone know how long it takes for experian to reply or even acknowledge an email they receive. I sent them one yesterday, Not had my read receipt returned yet either...although just checking my sent emails shows customer services @credit expert...are they one of the same people, i accessed it through experians site ?????

confused ??

May be i should use Andrew.mills@uk.experian.com....

 

Comments appreciated ....

 

Thanks

B-O-2