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Unpaid debt, Remove default if I pay

foreverakid
foreverakid Posts: 1 Newbie
in Debt-free wannabe
Sorry this has probably been asked before, I am just curious, Is it possible to get a default removed on an unpaid debt £328 by saying that I will pay it if they remove the default.

Thanks

Lee

Comments

  • antonic
    antonic Posts: 1,978 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    It will stay there for 6 years
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    foreverakid wrote: »
    Sorry this has probably been asked before, I am just curious, Is it possible to get a default removed on an unpaid debt £328 by saying that I will pay it if they remove the default.

    Thanks

    Lee

    Some debt collection companies will consider this.

    However, if the debt is still with the original creditor then it is unlikely.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • debbie_debt
    debbie_debt Posts: 299 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    I've got to say, I've never heard of a debt collection agency having the power to remove an entry that's already been filed on a credit reference agency file. Sorry!
    HIGHEST DEBT £63,300 LBM 27/5/2020 DEBT FREE DATE 31.08.2022
  • Gordon_Hose
    Gordon_Hose Posts: 6,259 Forumite
    Debt-free and Proud!
    You can approach the DCA and request it, but they don't have to do it. And to be honest, it's very rare that they will.

    If they do agree to it, ensure you have it all in writing. although, saying that, I'm not sure how binding their written agreement will be at the end of the day.
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