Default removal strategy

electric-shock

Hi, i have a default logged in my name by t-mobile. t-mobile have now sold on the default to capquest who is now shown on my credit report to have logged the default ( i still have only 1 default but the name of the company has changed from t-mobile to capquest )

I wanted to write a letter to remove the default( long shot i know )
but i wanted to know who to write the letter to?

T-mobile
or
Capquest?

Cheers

fermi

Under what grounds are you asking for the default to be removed?

camuk81

Why did you default. A please letter may work but you need a very very valid reason.

I've had one removed but that was due a family death overseas and I had to provide dates, flight information etc

Ps you will only have one default only one person can own the debt

McKneff

Remove a default, unless the company who pt the default there made an error you have absolutely no chance of having it removed.

Asking pretty please won't cut it I'm afraid.

It is a true record of your credit history, so dont hold your breath.

chanz4

You have more chance of either removing the default, if t mobile was a good network

electric-shock

I understand that its a very looooooong shot but i am willing to take it. After all i have nothing to lose!

I am asking for it to be removed because of the default i can just barely get credit with capital one... and its a secured card. More importantly because i need to get a mortgage so our family can move into a better area with better schools that my kids can attend. I know i can drop them off to school but it takes me 30-40 mins to get to work everyday and i cant possibly drop my kids off to school that early AND my wife doesnt drive so she cant help and the kids are 5 and 8 so i wouldnt let them take a bus.

So i am using more of a sympathy tactic to try and get the default removed but i want to know who i can write to? Capquest or t-mobile?

ps your right, t-mobile is the worst network operator in my opinion!

MusicalLawyer

Let me know how you get on with this!

I need to get a career development loan in Aug 2013 for my Law course - but I will have 4 satisfied defaults on my credit file (from 2010). So I'm going to try and get them removed - even 1 would help!

camuk81

Back to the original question, you may be able to get a default removed if you plead. In thorny cap quest own the debt if you are going to do it you need to prove how good have been at paying it off when you were made aware.

When asked for mine I used the below website but please note there is no guarantee.

http://www.learnmoney.co.uk/credit-file/remove_default_notice.html

I had to prove a lot to mine to get mine removed but I wish you the best?

Alternatively add a notice of correction to your file

electric-shock

camuk81 wrote: »

Back to the original question, you may be able to get a default removed if you plead. In thorny cap quest own the debt if you are going to do it you need to prove how good have been at paying it off when you were made aware.

When asked for mine I used the below website but please note there is no guarantee.



I had to prove a lot to mine to get mine removed but I wish you the best?

Alternatively add a notice of correction to your file

Hi, Sorry i dont quite understand what you mean by "In thorny cap quest own the debt if you are going to do it you need to prove how good have been at paying it off when you were made aware."

And thanks for the website, it looks really helpful!

can you please explain what you mean by - made aware of? [What?] and shall i write the letter to capquest then?

Cheers

rising_from_the_ashes

Capquest now own the debt and have added the default - you would need to write to them.

I'm still unclear as to what grounds you have to get the default removed ????

If you didn't stick to the terms of the agreement, which resulted in the default - then it's a true reflection of your credit history so why should it be removed?

Have you made efforts to pay the debt since you found out about it?

fermi

electric-shock wrote: »

And thanks for the website, it looks really helpful!

You will be wasting your time with the info on that website.

1) It is out of date.

2) It doesn't apply to mobile phone accounts as they are not governed by the same legislation.