Lowells chasing Barclaycard debt

[macboy000]

Hi everyone ,

 

I hope someone can help me , ive done a few searches and not come up with an answer,

 

I have a couple of defaults on my credit file from about 5 years ago when things got bad with a broken relationship

 

I know i defaulted on them in june of 2008 as i checked my credit file back in 2012 s

o if im right they should drop in june 2014 right ?

 

Well they have since been sold to lovell dca and have changed the date to june 2009

so that means they will take another year ,

 

can they do this ?

 

Also if they are not allowed to do this what should i do to change it back ,

i have had no contact with them and was wondering if i send them the SAR

will they then take that as me contacting me and have me by the short and curly as they say ,

 

Any advice would be great ,

 

Thank you

[macboy000]

Mr xxxxxxxxxxx

Address xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Date of birth xxxxxxxxxxxxxxxxx

Account type Credit Card

Account number ******xxxxxxxxxxxxxxxxxxxxxx

Account start date 26/06/2007

Opening balance £ 650

Repayment frequency Monthly

Date of default 24/06/2009

Default balance £ 650

Status history

 

 

this should say defaulted 2008 but since lovell have bought it they have changed to 2009

[dx100uk]

send them a copy of the old cra entry.

 

or if you don't want to pull their tail

 

contact the ICO

 

dx

[macboy000]

I don't have the old cra ! Who is the ICO ,

[BRIGADIER2JCS]

The Information Commissioners Office responsible for the Data Protection Act 1998.

[macboy000]

so any way to go about this guys?

[dx100uk]

ring them?

 

dx

[macboy000]

and say what, srry to ask everything but this is all new to me

[dx100uk]

you have made a thread here saying lowells have purchased on of your debt

 

when they did so

 

they changed the reported defaulted date.

 

that is not allowed

 

the governing body concerning matters relating to credit files

and correct information

 

is the ICO.

 

dx

[BRIGADIER2JCS]

send a formal complaint to:

 

 

Private & Confidential.

Ms Sara de Tute

Director of Legal and Compliance

The Lowell Group

Enterprise House

1 Apex View

Leeds

LS11 9BH

[macboy000]

Thank you very much , will do that right away

[BRIGADIER2JCS]

You're welcome, good luck please keep us up to date on the result.

[macboy000]

will do

[macboy000]

right got this all ready to be posted monday morning but one last question before i do

 

If i send this does this more or less admit the debt is mine as ive never paid anything on the debt , will this be saying yes its mine and start them chasing me even more ?

[dx100uk]

if you've never replied to them before

 

yes it will make them chase you even more.

 

and no its not an admission of the debt

as its says alleged.

 

however...

 

unless you have written PROOF

 

of when the default should be

 

then I would not be sending anything

you'll need to SAR the Original Creditor.

 

dx

[macboy000]

how do i find out who the original creditor is ?

[dx100uk]

send lowlife a CCA request

 

that will serve two purposes' here.

 

check they have the LEGALLY ENFORCEABLE documents to even demand money

 

tell you who the OC was

 

dx

[macboy000]

thanks for that , i dont have a reference number for this debt tho as ive never had any letters from them only this is on my credit file

and there is nothing there except the last 4 numbers of a credit card , what should i put instead

 

Thanks for the help so far

[dx100uk]

you'll just have to put your name address etc

p'haps include a copy of the CRA page?

 

as long as youve not moved

all should be ok

 

dx

[macboy000]

thanks for the reply dx, i have moved since that debt but they have sold it to these people and they have issued it on my credit file with my new address

[dx100uk]

you cant say what address it registered at

or what they know you live at

 

send it from your new address

but make ref to your old too.

 

dx

[BRIGADIER2JCS]

You can add to the end of the letter " No part of this communication is an admission of liability for any alleged debt".

[macboy000]

cheers guys

[BRIGADIER2JCS]

cheers guys

Good luck. Keep us up to date please.

[macboy000]

Hi guys , update :

 

I sent the letter but have had no response yet but

 

they have respinded to the enquiry on my equifax credit file dispute page

saying the debt was sold from barclaycard and that they are now the legal owners .

 

I know for a fact that i defaulted in 2008 but they are saying 2009,

 

Do i now send contact Barclays to send me a copy of the original default ?

 

Thanks everyone who is helping me