Hi I’m hoping someone might be able to offer some advice. This is all very new to me so please bear with me while I try to get my head around everything.
I had two accounts with Shop direct group, Littlewoods and Very, I opened them around 2008, no issue on them until I had to take a significant wage reduction in 2011 and ran into financial difficulties with pretty much everything. My main priority was trying to keep up with my mortgage, council tax and utilities and repay the arrears on those. At the end of the month I barley had enough to keep food in my mouth so got CAB involved who tried to negotiate a reduced payment with shop direct for both accounts as I was now in arrears with them. Littlewoods replied and agreed to a token payment, Very never ever responded and defaulted me in late 2011.
The Very account was swiftly sold to Lowell and they threatened to take me to court regarding the Very account and I ended up paying a monthly amount which I couldn’t really afford but did anyway, I continued with the token payment to Littlewoods. Most of what I owe to both are made up of fees, late payment charges and PPI. The Littlewoods account was then sold onto Lowell in 2014.
Since my money problems I’ve been absolutely vigilant about trying to recover some of my credit rating and thought that I was getting to the period where next year my defaults would drop off and I’d perhaps stand the chance that now I’m in a better financial position and have a partner of getting a mortgage to move home, however having checked my Experian account I found that I had two defaults registered by Lowell one for the very account in 2011 and one for the Littlewoods account for 2014 which is when they bought it. I question the date of the 2014 default as the account has been in default since 2011 so surely that’s the date the default should be registered? Lowell have refused to change it meaning that it now wouldn’t drop off for another 4 years which I find extremely unfair given it’s been almost 5 years already since I originally defaulted.
Have I got the wrong end of the stick here and Lowell are correct to date it 2014? My thoughts are as I was so mentally broken in 2011 I don’t remember if I received default notices or not so I should consider sending a Subject Access request to Lowell or Shop direct for both accounts? I haven’t done this before just seen it mentioned on the forum.
I’m not trying to get out of paying the debt, yes I’m annoyed that most is made up of their charges and fees but I just want them to amend the default date to the correct date.
Can anyone give advice on the next steps I should take?
I had two accounts with Shop direct group, Littlewoods and Very, I opened them around 2008, no issue on them until I had to take a significant wage reduction in 2011 and ran into financial difficulties with pretty much everything. My main priority was trying to keep up with my mortgage, council tax and utilities and repay the arrears on those. At the end of the month I barley had enough to keep food in my mouth so got CAB involved who tried to negotiate a reduced payment with shop direct for both accounts as I was now in arrears with them. Littlewoods replied and agreed to a token payment, Very never ever responded and defaulted me in late 2011.
The Very account was swiftly sold to Lowell and they threatened to take me to court regarding the Very account and I ended up paying a monthly amount which I couldn’t really afford but did anyway, I continued with the token payment to Littlewoods. Most of what I owe to both are made up of fees, late payment charges and PPI. The Littlewoods account was then sold onto Lowell in 2014.
Since my money problems I’ve been absolutely vigilant about trying to recover some of my credit rating and thought that I was getting to the period where next year my defaults would drop off and I’d perhaps stand the chance that now I’m in a better financial position and have a partner of getting a mortgage to move home, however having checked my Experian account I found that I had two defaults registered by Lowell one for the very account in 2011 and one for the Littlewoods account for 2014 which is when they bought it. I question the date of the 2014 default as the account has been in default since 2011 so surely that’s the date the default should be registered? Lowell have refused to change it meaning that it now wouldn’t drop off for another 4 years which I find extremely unfair given it’s been almost 5 years already since I originally defaulted.
Have I got the wrong end of the stick here and Lowell are correct to date it 2014? My thoughts are as I was so mentally broken in 2011 I don’t remember if I received default notices or not so I should consider sending a Subject Access request to Lowell or Shop direct for both accounts? I haven’t done this before just seen it mentioned on the forum.
I’m not trying to get out of paying the debt, yes I’m annoyed that most is made up of their charges and fees but I just want them to amend the default date to the correct date.
Can anyone give advice on the next steps I should take?
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