text: Been with Stepchange for years - looking to do own DMP - Debt Management Plan Companies - Consumer Action Group
  By Staara77 · Posted 54 minutes ago
  June 18, 2021 in Debt Management Plan Companies
  We have problems with Lowell, firstly they are now reporting missed payments on the account that wasn't there before, so have SAR the OC to see if we can get a copy of the DN.
  Secondly they are chasing for a minimal amount (under £50) on an 02 default, but on the credit file both 02 and Lowell are showing the default is this right or should only one be showing it?
  Find out the dn dates.
  The same debt being reported twice doesn't hurt you twice.
  as for any silly monthly markers they will obv vanish with the whole a/c upon the dn's 6th b'day, no matter how many times the same debt shows
  On the credit file, its now not showing a default date, no details of the original debt just fixed term deffered payment loan, the status is showing delinquent and now 6 missed payment.
  Shouldn't this have been linked to the original debt
  Though you said there were 2 entries for the same debt? One oc one lowell.have you not kept an old file copy that showed the original creditors defaulted date?
  Sorry this is for another.
  The o2 one with lowell is the same debt but the default dates are 3 months
  a debt without a default notice is useless to a DCA as they cant enforce any judgement they might get without one.