I’m raising this review because I’ve experienced significant issues with Lowell’s handling of an account they purchased from PayPal/Moorcroft.Lowell added a default to my credit file for a PayPal Pay in 3 agreement — a product that PayPal does not report to credit reference agencies and does not default under the Consumer Credit Act. Before Lowell purchased the account, I had an active repayment plan with Moorcroft, and payments were being made. Despite this, Lowell:registered a default that never existed with the original creditor,backdated the default to a time when they did not own the debt,failed to reconcile payments already made to Moorcroft,and provided no evidence that a default notice was ever issued.I contacted Lowell multiple times with detailed information, including emails and a recorded‑delivery letter. Their only reply was a generic message claiming they had already issued a “final response” in December — a response I never received — and they have ignored every subsequent email I’ve sent asking them to address the inaccuracies.I’ve since learned that many other customers have raised similar concerns about PayPal accounts being defaulted incorrectly after being sold to Lowell. This appears to be a wider pattern, not an isolated case.Given the lack of investigation, the failure to respond properly, and the serious impact this inaccurate default has had on my employment and mortgage process, I’ve now escalated the matter to the Financial Ombudsman Service and the Information Commissioner’s Office.I would welcome a proper review of my case, but so far Lowell has not engaged with the evidence I’ve provided.
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