Lowell chasing old BT Debt i paid BT through another DCA **WON+COMPO**

[shellbells1982]

I'd seen recently on my Equifax file that an old BT debt was being recorded by Lowell

 

This was chased by and already paid to Credit Resolve in 2017

 

I emailed Lowell last week along with proof of payment asking them to remove the entry

 

They've said:

 

Good Morning,

 

Thank you for your email, I have noted your comments and would be happy to assist you.

 

Account Number	Original Client	Current Balance
xxxxxxxxxx	BT PLC	£72.84

 

I appreciate the comments you have made and I can see from the screenshot provided this shows the balance due was paid on the 31^st of May 2017.

 

Your query

We’re investigating this matter with BT PLC and will let you know of the outcome.

 

What happens next?

You don’t need to do anything. The account is on hold and we will contact you again as soon as we hear back from BT PLC.

 

If you require any further assistance please don’t hesitate to let me know.

 

Kind Regards,

 

Hakim

Lowell Financial, part of Lowell

 

I've paid, I don't owe them, would I have to wait for them to investigate or should they be removing the entry straight away?

 

Can I go back with the 'remove in 14days or I'll start legal action line'?

 

Thanks

[dx100uk]

teach you to blindly pay a dca

that probably paid for their drinks at the pub that night

 

who were Credit Resolve's client stated on their letter?

 

[shellbells1982]

Oh well, you live and you learn

 

BT Group PLC it states 

*Capital Resolve 

[ericsbrother]

if the first lot of DCA's arent registered as deposit takers with the FCA then the debt still exists and you have just been robbed.

That si why you dont pay DCA's but the actual creditor only. If BT had sold the debt on then you pay the new owner of the debt, not a third party

[dx100uk]

just because you have paid that's no reason to have the account removed

in a way that's immaterial 

ok the bal should be £0 fair comment

the more important thing is the defaulted date bt registered.

paid or not paying or not a debt should vanish from your file on the defaults 6th birthday

doesnt mean its not owed mind

but in your case its £0

 

already said all this here before.

 

dx

[shellbells1982]

On 23/04/2019 at 18:45, ericsbrother said:

if the first lot of DCA's arent registered as deposit takers with the FCA then the debt still exists and you have just been robbed.

That si why you dont pay DCA's but the actual creditor only. If BT had sold the debt on then you pay the new owner of the debt, not a third party

 

To be totally honest, at that actual time I was unaware of the ins & outs - who owns the debt, when to pay, who to pay etc

 

I was dealing with a cancer diagnosis then and just wanted the matter dealt with & paid up

 

BT and Capital Resolve were the only chasers at that time

 

Its only within the last year or so that Lowell have been chasing, and when I checked my credit file there's only Lowell's entry

 

So I probs got robbed - unfortunate

 

My issue is how I go about resolving it now, I have proof of payment I paid - at least someone

 

Is it something I have to take up with BT?

 

OK balance should be £0, is it that the Lowell entry will remain - as per the 6yrs and they should amend the balance owed?

 

 

 

Thanks

[dx100uk]

Lowell account should show £0

and must show BT defaulted date

[dx100uk]

open try now

[shellbells1982]

*Resolved*

 

Wrote to Lowell initially a few months ago requesting that the balance on the default show £0 along with the 'proof of payment' to the previous DCA. Acknowledged, and agreed to zero the balance

 

After 6/8wks was no change on the entry, re-wrote to them requesting this again

 

Another acknowledgment from them and again no change and then another letter was sent including an intent to complain to the ICO due to the incorrect processing of data

 

Lowell have finally now responded upholding my complaint, sending a £100 compensation cheque, closing the debt account and deleting the default entry altogether from my credit file. And its gone, deleted off of my file!

 

Very pleased, did not expect a default deletion at all

[dx100uk]

well done 

I've made this its own thread too

as this is an important £100 win

 

how long was this showing for on your credit file?

[fkofilee]

Well played... I first hand know of Lowell's Experience and know that they do actually cough up when mistakes are made

 

[shellbells1982]

On 16/12/2019 at 20:49, dx100uk said:

well done 

I've made this its own thread too

as this is an important £100 win

 

how long was this showing for on your credit file?

 At least from 2017 (when I 1st noticed)