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Default correction
amazing1
Posts: 25 Forumite
Hi apologies if I'm asking something that has been done a million times. I did start a thread last night but have a few more specific questions on correcting what I feel is an inaccurate and unreasonably delayed default notice.
Firstly, I intend to write to the original creditor, Blackhorse finance and ask them to remove a default notice placed Feb 2012 on a voluntary terminated HP agreement back in Oct 2009. I believe this should have been the date of default. The amount of the default figure is what the balance was in Oct 09 but I made payments totalling £880 through 2009/2011 - so the default figure is wrong too.
Is there a timeline that the creditor must respond to my request?
Should I copy in the credit reference agency at the same time?
Anything else I can do to strengthen my case?
Thanks
Firstly, I intend to write to the original creditor, Blackhorse finance and ask them to remove a default notice placed Feb 2012 on a voluntary terminated HP agreement back in Oct 2009. I believe this should have been the date of default. The amount of the default figure is what the balance was in Oct 09 but I made payments totalling £880 through 2009/2011 - so the default figure is wrong too.
Is there a timeline that the creditor must respond to my request?
Should I copy in the credit reference agency at the same time?
Anything else I can do to strengthen my case?
Thanks
0
Comments
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Default would be when your payment relationship broke down rather than when you terminated surely?Still rolling rolling rolling......
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