Getting a Default removed

skylight

Hello there.

Right - story. More Than car insurance failed to take a direct debit some months ago and since - no-one can tell me why. So, for the last 3 months (yesterday was the last day) I have been paying them directly with a debit card. All AOK, you would have thought.

When I made the last payment yesterday I cancelled my car insurance as I have a better renewal elsewhere, to be told be the assistant I still owed £80 odd. After querying this she quickly relented and told me that the money had been taken previously (I know that....) but although it was on my account, it had not been allocated to my account.

This morning, I receive a letter stating that it was a default served under the consumer credit act etc and I have to pay up ASAP. After phoning them the operator said she could see the funds on my account and not to worry about the letter - just ignore it. But the default goes on my credit file. No it doesn't she replies. Er yes.... thats why its a default notice, so could you ensure its removed. She doesn't know how to do that, is adamant it wont affect my credit file and told me to ignore it. Silly girl

Now, I know that my credit file is shot to pieces anyway after BR but I would like to get it cleaned up after discharge, not wait for a long time for defaults I should not have incurred in the first place to drop off. So should I write to More Than or deal with it directly with the likes of Experian etc????

thepinkladez_2

i'd write to more than first and try to get them to remove it or at least admit you shouldnt have been given it (get it in writing) then contact the credit score agencies and make sure it is removed from your credit file.