Defaults

us,thecat&thedebt

hello :hello:

whats the rule with defaults...

i had an account with avon last year which is in arrears only found out last month when i got credit file contacted them was told someone would ring me back...

basically they have my old address so i dont recievbe correspondence from them....

i am aware from another account that the tenant living in my old address had been sending my mail back not known at this address- fair enough

so avon would have known i didnt live there...
im on the electrol roll so can be easily located...

no demands no default notices nothing...

then today my equifax alerts me to a change saying they have defaulted the account!!!!!

can they do this


what do i do now????

thanks in advance

us,thecat&thedebt

Anybody? Defaults? Anybody.....

Broken_hearted

If you knew you owed the money then yes you didn't pay.

us,thecat&thedebt

problem was i had major surgery was in hospital and then we moved so i didnt know there was a balance outstanding...

i only found out recently when i got a credit report i tried to contact them someone was gonna call me back and now its been defaulted!

Alleycat

Sounds like you are stuck with a default I am afraid. You could phone Avon and explain the situation re the operation, but they will probably say that you should have at least notified them of a change of address. As far as I am aware, companies can lodge a default against a debtor at any point during the 6 years after the debt was created, if the funds are still outstanding.

Also, just to advise that defaults stay on your credit record for 6 years.

sparkle84

there isn't a lot you can do really you were probably notified at your previous address you could try ringing again see if that gets you anywhere!

Old_iron_balls

Alleycat wrote:

Also, just to advise that defaults stay on your credit record for 6 years.

Yes indeedy unfortuantly.
you can always try calling or writing Avon with an explination and see if they will consider removing the default.

although I recently wrote to Capitol one asking/begging them to remove a default.
The wrote back politly telling me 'tough' its there for 6 years - no excuses.

worth a try maybe ?

us,thecat&thedebt

whats annoyed me the most was i rang up to pay it when i noticed it as late on my credit file and the lady said oh its with another dept ill have to get them to call u changed my address and telephone number but nothing then few weeks later its defaulted!!!!


also i didnt notify them of change of address as i thought account was settled

Tried ringing several times but hey arent open outside office hours!!!!