Default Notice needs to go.

donatello_2

Hi,

I have been on a debt management plan for about 3 years now, with various companies. I have never missed a payment but one creditor has stuck a 'Default Notice' on my file for not sticking to the original agreement. This was put on in 2007. I am in a position now to jointly buy a house with a substancial deposit. I have been told that even when the debt has been settled, the default notice will not be removed, but a note on it saying satisfied - and this is just as bad.

I have seen websits that give suggestions of letters to send to creditors, in the hope they have lost records, so they are forced to remove the default notice.

Is this possible to do this? and will i annoy the creditors? I have only anout 10 months left before all funds are repaid.

Any help would be appreciated.

never-in-doubt

try this: Invalid Default Notices - Default Removal

They do have rules to follow but being you'd been keeping to a preagreed agreement, i'd be sending a nice letter to start asking why they defaulted you in error being you had an agreement in place.

See what that does then get serious if they refuse. They should also have followed process by issuing you a Notice of Action giving you 7 days minimum to pay before adding a default.... did you get this? If not then that is grounds for argument....

Good Luck