Lowell Cap1 Default appeared on my credit report

[trumpetmaest]

I had a credit card with cap one that I ran into difficulty with and they defaulted it. I was getting help through debt line  and I had set up a payment plan.

I got a letter in September from Lowell stating they had now bought the debt and I needed to pay them.

they started texting and calling me but I refused to go through their security checks and asked them to write to me.

 

I sent them a request for a true copy of my credit agreement and have heard nothing other than two more letters telling me to contact them to set up a payment plan.

 

I checked my credit report in October and saw that the capital one account had been removed from my file.

 

I have just checked it again today and the  account has reappeared but now states that it is Lowell.

 

What can I do?

 

Lowell have not produced any documentation at all since my request in September.

[fkofilee]

Normal procedure. 

There likely isnt anything you can do - They have to report it.

Check historic reports - See if the Cap One Account has the same Default Date as the Lowell Entry

[unclebulgaria67]

Do you have any other debts ?

 

Lowell are known to hoover up number of debts and to then try to obtain a CCJ.

 

How much is the Cap One debt approximately ?

 

Does the debt Cap One have noted match what Lovell have recorded ? Be careful, as sometimes when debts are sold, the new debt owner makes mistakes in regard to debt about owed.