Removing Defaults (legally)

jonjamie1970

stclair wrote: »

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

I'm sure, but they still refused to do it, I have it in writing, twice. They wont budge.

Yargo1

thanks stclair.. who is the email address for? all companies or crap one?

fermi

Yargo1 wrote: »

thanks stclair.. who is the email address for? all companies or crap one?

It's for Orange/T-mobile. I think they must have put the wrong email in that post, as the thread opener was talking about a debt to them.

fermi

jonjamie1970 wrote: »

I'm sure, but they still refused to do it, I have it in writing, twice. They wont budge.

They are free to refuse to remove. Equally they are free to remove it if they wish.

The only thing the mustn't do is report inaccurate info on your files.

Creditors are not obliged to report info to all, or indeed any, CRAs. So that doesn't include removing entries at their discretion. That isn't inaccurate, just a commercial decision.

jonjamie1970

fermi wrote: »

They are free to refuse to remove. Equally they are free to remove it if they wish.

The only thing the mustn't do is report inaccurate info on your files.

Creditors are not obliged to report info to all, or indeed any, CRAs. So that doesn't include removing entries at their discretion. That isn't inaccurate, just a commercial decision.

I'm not asking for it to be removed just comenting on someone elses post, I tried my luck and its not coming off, thats fair enough.

stclair

jonjamie1970 wrote: »

I'm sure, but they still refused to do it, I have it in writing, twice. They wont budge.

Oh dear maybe next stick to there guns, my saying is what you dont ask for you dont get lol

Diana_Prince

I have 5 old defaults on my file (all settled) and these are due to come off in about 12 months I believe. However I am currently in the process of trying to buy my parents house as my father passed away. Would it be possible to have these taken off if I asked them?

Silvafox

Diana_Prince wrote: »

I have 5 old defaults on my file (all settled) and these are due to come off in about 12 months I believe. However I am currently in the process of trying to buy my parents house as my father passed away. Would it be possible to have these taken off if I asked them?

It's worth asking at least - especially as they're 5 years old and all settled. Send them a really nice letter asking if they would kindly remove them. They may say no - must may as well ask as I don't think any/many mortgage companies would accept that amount of defaults - especially in this climate.

Yargo1

who can i ask at capital one?

DanielleR

Yargo1 wrote: »

who can i ask at capital one?

And at Virgin Media... they gave me this weird address for the Consumer Underwriter so I'm not sure if I'm writing to the correct person!