Offer payment in full for removal of default?

missal

Just wondering....

have an account with next and owe them £92 just wondered if i offered them payment in full in return for removal of default is that underhand?

It will be going on my DMP shortly and wondered if this would be possible, they'll be getting £5 per month otherise.

TIA

Missal

Tixy

I don't think they can remove the default unless it can be proved/agreed that you didn't receive a default notice (I expect someone will correct me if I'm wrong)

missal

i have only recently given them my newaddress so is it possible to have removed because of not receiving?

thanks

missal

rog2

Tixy wrote: »

I don't think they can remove the default unless it can be proved/agreed that you didn't receive a default notice (I expect someone will correct me if I'm wrong)

They can, certainly, remove any default that they have entered on your crf, or, as is more common, mark it as 'fully satisfied'.

If you are going to make them an offer of the 'full amount' then I would say that your offer is 'conditional upon them removing any default' and that you will only make the payment once they have agreed, in writing, to this condition.

missal

ok have posted a question to equifax about the removal of defaults when not living at the address they were sent to, will see what they say think i might post one on here too.

I'm finding out so much since starting to look at this site!!

Missal

Tixy

Thanks Rog, after I typed it I thought maybe I had given the wrong advice, was hoping you or someone would could along and check.

missal

thanks, i have posted an amended cca letter including a bit about defaults could you see what you think?

Thanks

Missal

rog2

missal wrote: »

thanks, i have posted an amended cca letter including a bit about defaults could you see what you think?

Where is it?

missal

its called is this ok? in the thread list on first page, sorry!

Thanks for looking

Missal

dancingfairy

It's here:
http://forums.moneysavingexpert.com/showthread.html?t=1896411

Missal - maybe you could stop starting quite so many threads on very similar things. It's ok to have seperate threads for different things but these are all quite similar. It also makes it a lot easier for people to follow what's going on and to give you the best advice rather than having to ask questions you may have already answered somewhere else.
We know you're keen
df

missal

Well it's just that i've read some threads where people are asking for different subjects to be entered as different threads.

I am sorry to be annoying you so much, thing is i am new to this and am finding out new things all the time and quite often just need a brief response, so obviously i am in the wrong

Thanks

Missal