Removing Defaults (legally)

therealson

Hi there, just wanted to put this out there to help some people
who have had defaults in the past, I my self after checking experian
found I had two defaults from orange mobile, one for £58.00 and the
other for £12.00! Now these amounts are preety small and after searching
online found this website about trying to get them removed, well i though
why not give it ago, now because my defaults was less than £500.00 the website suggest that I send them a nice letter "asking" that the defaults be removed because the amounts are so small and it has a very negative effect on my file, so I sent the letter off, and within two weeks a letter back saying if i pay the outstanding amounts they will remove the defaults, well I must say I was very surprised and also very happy as this means now my credit file has no defaults or ccjs, so hopefully ill be able to get a new car asap! so anyway just wanted to share it on this website so hopefully it will helps others the link is below

Regards

Brendan

ps actually because im new it will not allow me to send links

the website is called learn money .co.uk

Tonylpool

Thanks Brendan, I've got a £21 one with T-Mobile because they sent me a different figure than Moorecroft! I'll give it a go!

Cheers

therealson

no problem tony, just checked my file and they have been both taken off, its worth ago

Yargo1

Hi therealson, how long did the process take you? thanks

therealson

hi there, well i sent the letter of at the start of January and had a letter this monday stating if i was to pay off the debt they would remove the defaults, paid on the same day, checked my file and they had gone, all in all about two weeks!

Yargo1

Hi, Crap1 have said they will not and can not remove my defaults..... any more advice?

Yargo1

Hi, Crap1 have said they will not and can not remove my defaults..... any more advice?

Yargo1

Bump... please anyone got any further info.. x

jonjamie1970

Its rare they will remove them, normally need to be below £250 and that they usually do it if they realise that they cant find the paperwork, I asked Next last year and they refused staying it would be illegal to remove as the data was factually correct, I now no longer shop in NEXT.

stclair

jonjamie1970 wrote: »

Its rare they will remove them, normally need to be below £250 and that they usually do it if they realise that they cant find the paperwork, I asked Next last year and they refused staying it would be illegal to remove as the data was factually correct, I now no longer shop in NEXT.

Next are spinning you a line lenders can change information at there decretion.

stclair

Yargo1 wrote: »

Hi, Crap1 have said they will not and can not remove my defaults..... any more advice?

Has the debt been paid now?

Ask them if they will remove the default as a gesture of goodwill.

Email them at [EMAIL="referrals.fax.inbox@everythingeverywhere.com"]referrals.fax.inbox@everythingeverywhere.com[/EMAIL] and see what they.