Hello bcowan12.

Lowell are a debt purchaser rather than a debt collection agency, not that this makes much difference in this instance.

Can you see a default notice on this account? It should have a date around the time your trust deed began, or perhaps earlier if Lowell purchased this debt before your trust deed began. What's the date this default notice was issued (assuming there is one)?

Has that default notice been marked either "satisfied" or "partially satisfied"?

Thanks for getting back to me.

My trust deed started on 28/09/2010 and ended 28/09/2013

They have recorded the default date as 23/12/2010 and it's currently marked partially satisfied.

The last recorded update was 8/2/15 but every month they are putting a ? Against the month.

I can't see a single other creditor from the time of my financial difficulties except Lowell.

Thanks

Brian

Hi bcowan12.

Hopefully there's a fairly straightforward answer here for you.

You're entitled to demand that Lowell backdate that default notice to the point at which your trust deed began - September 2010.

Once they've done that, the account should quickly disappear from your credit file altogether because it will now be six years since the default notice was first issued.

Thanks! I'll give it a go and let you know if I have any success

Kind regards

You certainly should have success bcowan12.

The Information Commissioner was pretty clear with us that, under the data protection act, default notices should not be dated after a trust deed began:

https://www.trust-deed.co.uk/repair-your-credit-rating.html