Lowell Powell debt collection/old shop direct defalut

[Deetyler14]

What's a red 8 ?

[dx100uk]

same as

red default on december 2010 and nothing after that

[Deetyler14]

Sar sent today is it 40 days ? What if they don't respond ?

 

I have had a email off Lowell saying the default was put on by shop direct not them so that cleared my confusion up a bit

[BRIGADIER2JCS]

Sar sent today is it 40 days ? What if they don't respond ?

 

I have had a email off Lowell saying the default was put on by shop direct not them so that cleared my confusion up a bit

Yes 40 days if they don't comply you report to the ICO.

[Deetyler14]

Ok will do . Looking at other posts , other people have had a letter saying a default would be put on their file , I did not have one of these

[dx100uk]

no ofcourse you had no letter

post 25 explains why.

 

ii've explained things three times now

 

why you not believe us but a DCA?

 

SD did not put the default on

 

6 markers caused an automactic 8 or D

 

look at NOODLE.co.uk

 

dx

[Deetyler14]

Sorry I still find it hard to understand I'm not not believing you . When you say post 25 what is that titled as when people comment it changes the ordering ,

 

I didn't have 6 markers though

[Deetyler14]

Like I said I don't understand all this lark at all sorry if I sound dumb

[BRIGADIER2JCS]

Ok will do . Looking at other posts , other people have had a letter saying a default would be put on their file , I did not have one of these

 

There is no specific letter to say that a default will be placed on file,

all this is in the default notice which gives you time to rectify the default.

[dx100uk]

Sorry I still find it hard to understand I'm not not believing you . When you say post 25 what is that titled as when people comment it changes the ordering ,

 

I didn't have 6 markers though

 

 

each post in this thread has a number in its bar at the top of the msg to the right #x

 

i bet you DID have 6 markers

unless you viewed your CRA in one of the months before it went 8 or D , you'll never know

as all goes when this happens.

 

dx

[Deetyler14]

The SAR should clear that up then, thank you these forums take a while to get your head around...

 

I'll stick to working with kids lol

[Deetyler14]

also, what does the 'default balance' actually mean?

[BRIGADIER2JCS]

The balance of the account when defaulted ie

what needed to be paid to remedy the default.

[Deetyler14]

ahh so the total of payments missed/£12's added on...not the full balance of the account

[dx100uk]

no .

 

the default markers would have been for one of two reasons or both.

 

if you failed to pay the minimum stated on the statement, by the due date - that will result in a default marker

if your 'credit limit' on the statement was exceeded for that month - that will result in a default marker

 

so if either or both of those happened in a month 'a' default marker will be registered by the creditor.

 

EACH month your 'broke' either or both of the above terms, EACH would attract a £12 PENALTY fee, which would be added to the next months statement

 

they even charged for phone calls, debt management, missed phone calls, and a whole host of 'other' reasons - ALL are unlawful PENALTY charges under OFT rules.

 

dx

[Deetyler14]

Ah all making sense now ... Will wait for this SAR then . Thanks again

[Deetyler14]

credit.pdf

 

I have now paid Lowell Powell off completely ....thought I would upload the current status of my credit report.

 

Reading on here, should i SAR lowell powell aswell?

[BRIGADIER2JCS]

Not worth it Lowell Portfolio 1 will have only details since

they aquired the debt.

[Deetyler14]

what is the difference between noddle and equifax?? ive looked on both and there is different data on each

[BRIGADIER2JCS]

what is the difference between noddle and equifax?? ive looked on both and there is different data on each

 

Noddle = Call Credit is the minor player in the CRA field often behind

on data and is not widely used.

The Equifax data can be expected to be more reliable but some creditor

may use a CRA that they think a debtor may not check in my opinion.

Are the differences great?

[Deetyler14]

Not really, there is something extra on noddle than equifax so I presume that's in my favour ?

[BRIGADIER2JCS]

Not really, there is something extra on noddle than equifax so I presume that's in my favour ?

If it's a favourable entry yes.

[Deetyler14]

can i ask why it would matter if the account was opened before 2007? mine was 2005, is this just to not pay the debt off?

[dx100uk]

in 2007 the cca rules were changed slightly to make paperwork error wriggles more difficult.

 

dx

[Deetyler14]

so would that be relevant to me even though mine is paid?