lowell and old Next Default going to cause mortgage issues?

[tallguy79]

Hi all hope you're ok.

 

please bear with me but I'm in a bit of a pickle.

 

 

I have just noticed in my credit file with experian that I have a default notice sent by Lowell after an account for next.

This debt was about £383 or so which I have paid and says settled.

 

Now I can't fully remember if I was sent a default notice or not to be honest

and I wasn't working and buried my head in the sand with money.

I know I shouldn't of.

 

My problem is that the girlfriend is pregnant now and wants a home before she's due.

She's only a month gone or so.

Now with this default that is going to cause me no end of trouble I know.

 

what is the best course of action for me in this matter.

 

 

Any help would be greatly appreciated and is there someone who can carry out the ness steps for this if I pay them or is it straight forward enough?

 

Thanks in advance.

[Stigman]

The default that is on your credit record is an honest account of your past and will remain for 6 years regardless if you pay the debt now or not.

 

This debt was about £383 or so which I have paid and says settled.

Have you paid this debt off to either Next or another DCA prior to Lowell's update on your credit file?

 

How long ago was this debt?

 

Is their any difference in dates from the original Next entry to when Lowell's took over on your credit file?

 

Has Lowell's created a new entry on your credit file or updated the original Next Account?

 

When you say your girlfriend wants a home, is that Renting? or Mortgaged?

 

Stigman

[BRIGADIER2JCS]

Lowell will have bought the debt with the default already in place.

 

As it seems that you paid off the account after the default was placed it will be very difficult if not impossible to remove the default.

 

Defaulted accounts are removed from files after 6 years paid or not.

 

What is the default date showing on the file.

 

Lowell would pass the buck to Next as it defaulted the account before sale of the debt.

 

There is the 'gesture of goodwill route' given your circumstances but there is no guarantee of success.

 

On the mortgage app side you will need CRA files showing 3-5 years good ++ credit management, no defaults/late or missed payments and no PDLs.

[tallguy79]

[ATTACH]47926[/ATTACH]

 

Hi all that's the credit screen shot. I had no idea it was a year ago that they defaulted me or even remember them sending one.

 

She was hoping to mortgage but I can't see that with a default against me name surely. She's stubborn and won't rent for the birth etc wants to be settled in our own home.

 

From what you two have said is it best I try the heart strings and gesture route as I dare say I'm pretty stuffed aren't i?

 

Thanks for the time in helping guys.

[dx100uk]

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..jut upload it ..job done

.

dx

[dx100uk]

I'd get an sar off to next too

 

 

dx

[tallguy79]

Right see if this has worked

[tallguy79]

LOWELL PORTFOLIO I LTD Who's this?

Entry Number: C7 | Account Updated to: 22/09/2013

Name:

Address:

 

Date of Birth:

Account Type: Mail order

Started: 17/11/2008

Current Balance: Satisfied

Default Date: 08/06/2012

Default Balance: £383

 

 

Right thats it from experian website.

 

What would getting the SAR enaable me to do dx?

 

thanks again

[BRIGADIER2JCS]

A SAR goes to the original creditor, it provides all personal data held by the company regarding the account.

 

That CRA entry looks fine, Next has defaulted Lowell have updated when they acquired the debt.

[dx100uk]

PDF the attachments follow the guide

 

 

dx

[tallguy79]

Sweet thanks brigadier, if that seems spot on then I assume my chances of getting if revoked are slim?

 

Ok so if I got the sar I'd be able to see what the info is and then??

 

Thanks guys

[BRIGADIER2JCS]

The SAR may reveal something of use.

[tallguy79]

So maybe some oversight on their part that I can get to use and get it revoked.

 

Thanks buddy

[tallguy79]

Hi guys again.

 

Just spoke to next and asked them where I should send my letters too to grovel and they told me.

 

 

Only after however they said

"we don't have the details of who bought the account from us, do you know them?"

 

 

Said yes etc and I want to speak about the default.

 

 

She also said we won't have the records or any details of this as we sold account.

 

 

I told her yes I have spoken to them and settled account.

 

 

It's you I need to speak to as you set the default.

 

 

She then gave me the address of debt department which she gave grudgingly I believe.

 

When I write this grovel letter should I enclose any postal orders or anything etc?

 

Thanks all

[tallguy79]

Bump. Anyone please.

[BRIGADIER2JCS]

No fee payable for a 'begging' letter.

[tallguy79]

Ok thanks buddy just thought if I covered the cost they may be bit more sympathetic

[BRIGADIER2JCS]

Ok thanks buddy just thought if I covered the cost they may be bit more sympathetic

 

Bribery wont help:|

[tallguy79]

Haha well you never know

[tallguy79]

Also brig what did you think of the conversation between me and next?

[BRIGADIER2JCS]

Also brig what did you think of the conversation between me and next?

That's the problem with catalogue customer (dis) service departments, they have no authority apart from a company

'script' and are always reluctant to give any information to help a customer to escalate a complaint to a higher level.

 

It is my belief that starting a complaint at the 'top of the company ladder' is the best approach and I know it works.

[tallguy79]

I am composing a letter writing to the debt department asking them to remove the default due to my circumstances changing as above. Would you start here or go to head honcho?

[BRIGADIER2JCS]

I am composing a letter writing to the debt department asking them to remove the default due to my circumstances changing as above. Would you start here or go to head honcho?

 

Straight to the top!! It saves time and gets better results!

[tallguy79]

I've had a look. All I can search is directors for next uk. Assume they'd be the ones.

 

Head Office Directions: Printable Map

 

Company Registration Number: 4521150.

VAT Registration Number: 179 7658 90.

 

Directors: D.W. Keens, S. Wolfson and A.J. Varley.

Company Secretary: Mr A J R McKinlay.

[tallguy79]

Change that got simon wolfson as the chief executive. I'd assume just send it to nexts head office and see what happens.