Lowell Powell debt collection/old shop direct defalut

[Deetyler14]

Please can someone help me ,

 

I'm trying to get my credit up to scratch as its preventing me gettin a house with my council on a rent to buy scheme :

 

My credit rating score is classed as poor .

 

All accounts are green and classed as settled except for one - Lowell Powell .

 

They are the agency to which a debt of mine was passed on to (only £360) but is ruining the whole of my file.

I first had a letter off them December 2010 which is the default date .

I have since paid monthly and there is approx £40 left to pay .

Will this show as default until cleared ?

 

 

As i thought that the default was with the original company (shop direct ) had I known this affected me so much I would of paid it straight away ! Please help

[Sidewinder]

Are Lowell collecting on the account or was it sold to them? Was December 2010 the first date on which the default appeared on your file?

 

A default will normally remain on your credit file for six years from the date of default - it won't disappear as soon as the account is cleared.

 

If the account was with a catalogue then there would most likely be a few £12 late payment charges applied - you ought to look at claiming those back, but it wouldn't remove the default...

[Deetyler14]

I think it was sold to them, just confused as the default wasn't actually with them , but the catalogue .

 

The catalogue is showing as settled on my account .

The default date does show December 2010 with lowell Powell .

Can I ask them to remove as such a low amount ?

[Deetyler14]

Also I have not had anythin off them with a default notice ?

[dx100uk]

you'll have heeps of unlawful £12 PENALTY charges

 

the default would have been registred by the OC

then the debt sold to Lowlife

and their name would then appears on the file against the debt and the defalut.

 

reclaim the PENALTY fess, and also demand the defalut is removed as the sum owed was solely THEIR unlawful CHARGES.

 

moved to the cat forum

 

have aread of a few threads here.

 

dx

[Deetyler14]

How do I do that ? Sorry all new to this

[Deetyler14]

Shope direct:

Status Settled

Current Balance £ 0 Start Balance £ 0

Credit Limit £ 2,200 Default / Delinquent Balance £ 0

Start Date 09/09/2005 Date Updated 04/01/2011

Date Last Delinquent Date Satisfied 01/01/2011

 

Lowell Powell:

 

 

0 @ £ 0 (Monthly) Status Defaulted

Current Balance £ 88 Start Balance £ 0

Credit Limit £ 0 Default / Delinquent Balance £ 188

Start Date 03/02/2007 Date Updated 26/03/2012

Date Last Delinquent Date Satisfied

Default Date 13/12/2010

 

why is this not showing my monthly payment plan?

 

sorry to keep going on but I am desperate to clear this as such a stupid amount is wrecking my future!!

[BRIGADIER2JCS]

What company name shows on the letters you have received???

[Deetyler14]

I have tried reading the other forums, but all this talk confuses me

 

It was Shop Direct / Marshall Ward.

 

I do not have anything that says i have been served a default though which is confusing me

[BRIGADIER2JCS]

I have tried reading the other forums, but all this talk confuses me

 

It was Shop Direct / Marshall Ward.

 

I do not have anything that says i have been served a default though which is confusing me

 

Sorry I meant the Debt Collection letters.

[Deetyler14]

the first 2 say Lowell FInancial, the latest says Lowell Portfolio 1. All i have is 1 letter saying they had bought the account, the 2nd saying thank you for setting up a payment plan and the latest (which was a year ago) giving me a statement of whats been paid. I'm not bothered about claiming back the £12 charges (if there were any) I just need the default cleared!

[BRIGADIER2JCS]

Ok reading back and seeing the CRA entries Lowell Portfolio

are the debt purchaser using its' debt collecting arm.

When you have paid the last £40 off they will mark the

default entry ''satisfied'' the entry will remain for the

balance of the 6 year default period but will not be removed

antil that expires.

You could only appeal to Lowell and ask if they will remove

the entry but there is no reason for them to do so.

[Deetyler14]

I just don see how they can mark the default as I never defaulted them?

 

is there a template available to ask them to remove?

[dx100uk]

it is all explained in post 5

 

lowlife did not defalut you

the OC did [ Marshall Ward]

 

they then SOLD the account

the new owners name [lowfife]

would then replace the OC's name.

 

poss reclaiming is your only route to clearing the defalut marker.

 

otherwise a pleading letter to lowlife.

 

but all they will do is say it was not us, but MW.

 

if you contact MW, they will say, we've sold the account, talk to lowlife.

 

this is why DCA's buy the accounts

 

to hold people to ransom.

 

dx

[Deetyler14]

Ok so trying to reclaim would be a good idea....I will look on here but it all baffles me to be honest thats why i'd prefer if someone could tell me what to do?

 

I cant get to my online account and I don't have any statements, do i need to apply for what they hold on me?

 

x

[BRIGADIER2JCS]

As DX says the entries are correct, and will not

I think be removed until the 6 years expires,

even then this will not rapidly improve your

ability to get credit.

[BRIGADIER2JCS]

The way to get all the information is to send the

creditor a Subject Access Request under The Data

Protection Act 1998 then the creditor must send

you all the data they hold on you including statements.

There is a statutory fee of £10.00 for this and the creditor

has 40 days to comply.

There is a template letter in the Cag library you can use,

but if you have a problem with this I can put together

a simplified version that will have the same effect.

[Deetyler14]

Ok, thank you, I have seen that I will send it off tomorrow. How do I pay, I don't think I have a cheque book. any idea where to find the address or who to as marshall ward isnt operating under that name any more?

[BRIGADIER2JCS]

It'll be shop direct.

A postal order will be ok.

[Deetyler14]

Ok I have the address off my letter telling me when it was assigned over to Lowell Portfolio. Thank you for your help.

I just thought that my late payments would of shown on my credit file with them before it was passed over but nothing. Lowell portfolio just show a red default on december 2010 and nothing after that

[BRIGADIER2JCS]

A lot depends on the individual methods

of reporting, some will on report when

they have defaulted an account.

[Deetyler14]

Oh i see ok Thank you very much will let you know when I have received the result from shop direct

[Deetyler14]

If i get a cheque off a family member would they accept it ? and who payable to ?

[BRIGADIER2JCS]

Payable to Shop Direct,yes they will accept it.

Adress the SAR to the Data Controller at Shop Direct.

[dx100uk]

the red 8 will be the result of 6 mts of late/over limit payment markers

the CRA system automatically resolve these to a default status 8.

 

no further recording will be allowed.

 

so this might well explain things

 

thus no DN. by anyone.

 

dx