advice re settled debt

anderson_2

Son has tried for morgage but credit scoring lets him down due to settled debt with abbey national for £160 which has another 3 years left on his file.Any suggestions for morgage advise...seems so unfair to br blacklisted for such a small amount ...many thanks Anderson

Little_Miss_Winner

Hi and welcome.

If it's settled debt why doesn't he ask Abbey to remove from his credit file?

anderson_2

Hi, Many thanks for reply....he has asked abbey to remove it but they state that once it is has been logged with experion then they cannot do anything. These charges were due to an upaid direct debit which they tried to collect several times when he started new job and his wages were not presented in time.....so i now think the only options in my opinion are;

put in writing the intent to take them to the small claims court for removal
from credit file on the grounds that it was illegal to make the charges in the first place................obviously not worried about the repayment of the £160 just want to clear credit history because it has messed his credit up or

contact experion in writing to explain the circumstances and see what they can do?
Anymore advice would be welcome.......Thanks

terriblesaver

Hi

We ahve terrible propbelsm re credit but have just got a fanmtastic remortgage which will clear all our debts and help us start again - the broker was excellent and overcame 95% of hurdles on our credit file
PM for more info

anderson_2

hi all,

update to sons plight to clear credit history..HAVE WRITTEN LETTER TO ABBEY ASKING THEM TO GET IT REMOVED FROM EXPERIAN ......NICE LETTER JUST ASKING THEM FOR THE ABOVE ACTION BEFORE HE TAKES IT FURTHER..STEP 2 IN ADVICE IF NO JOY THEN IT WILL BE LETTER NO2 THREATING COURT ACTION...WILL POST FURTHER WHEN MORE NEWS