2 o2 debts, one lowells, one with o2 - wrong defaults - **RESOLVED by o2**

[lew247]

If I have 2 defaults on my credit record dating back to 2012 they show on credit checks

left alone I'm guessing they will go statute barred in 3 yrs time

However

IF I paid the debts off in full when does the defaults go off the credit record?

in 3 yrs time or in 6 yrs time?

[fkofilee]

6 years from the default date. Paying them off may be no good.

 

If you paid and it changed to satisfied, it will still go off from 6 years of account closure... IE; Defaulted or Settled / Satisfied.

 

Who are the defaults too?

[lew247]

O2 one for £11 and Lowell for £66 which was an O2 bill as well

Such small amounts I';d have paid them if I'd actually had gotten a bill

[fkofilee]

What? £11? I once was defaulted for £6 from O2! thats disgraceful.

 

Send an email complaint to;

 

ronan.dunne@o2.com

 

They will probably remove it if you pressure them enough. Lowell also have one for £66?

[dx100uk]

paid or not defaults are there for 6yrs from birth

paying does not improve your rating.

 

 

on defaults 6th birthday - the whole account vanishes

does not mean the debt is not still owed mind.

 

 

I'd get that CEO email sent off.

 

 

PS there is NO LINK between default date and SB date.

 

 

dx

[fkofilee]

Once you've done the CEO email for O2, and had a response, let me know, then we can go on for Lowell... Knowing them, and what they do, I suspect you could get the account removed... But concentrate on O2 first.

FYI you may get a response from Capita as they outsource their complaints stuff to them.

[lew247]

Thanks everyone

[lew247]

Thank you all for your help and suggestions

 

O2 have recalled the Lowell one and have agreed to remove the defaults and have reversed the debts so I now owe nothing

 

It wasn't simple,

it took loads of emails and researching various laws and finding out from them that the amount I owed was about 20p less than the defaults showed

so they agreed to remove the defaults.

 

I know it won't show properly on my credit record for a while but it will help a lot once it does show as they were the only problems on my record.

[fkofilee]

Wonderful News.. Congrats...

Fancy making a donation to CAG?

[dx100uk]

well done

[lew247]

I checked the my credit account today and as promised O2 removed the default which I am greateful for

However

Lowell is still showing, and this is despite O2 recalling the account and agreeing to remove the default

Any ideas what I should do next?

[dx100uk]

Chase o2

[fkofilee]

I disagree...

 

Go to Lowell and raise a complaint... Take the letter / response from O2 and attach it here.

 

Sara.DeTute@lowellgroup.co.uk - Head Of Legal Council

Customer_Relations2@lowellgroup.co.uk - Customer Complaints

james.cornell@lowellgroup.co.uk - CEO OF Lowell Group

[lew247]

I sent an email to the CEO of Lowell and attached the contacts from O2 - with their permission

Just waiting to see what they say