has anyone heard of a default being removed?

artytart

I have a default on my credit report. It came about when I had a small break down & was off work for a couple of months. I was ill enough that my dad came & whisked me back to stay with him. My Littlewoods account was my only manual bill, all the others being direct debits, & therefore did not get paid. My not being at the house also meant I did not realise (that & my mental state) thus I recieved a default. I have since paid my dues through Lowell, who Littlewoods passed it to.

So, has anyone heard of defaults being removed if good reason was given? I know they may not see it as good reason but I can get doctors letters etc. I am just so sad that it really wasn't intentional but the effect it is having is huge

FOURCANDLES_2

I have not, as what other eason can you other than you defaulted by not paying , not a big deal will fall off after 6 years just now keep on track.

artytart

does it not mess up my credit score though?

camuk81

Arty,

I've had one removed. It was satisfied a week after being passed and was around £50. It was a very hard slog and I would say mine is the exception rather then the norm.

If you are going to do it I would make sure you have a full outline of what you want to say, the why are wherefore, but don't expect or bank on this going. Yes it improved my score, however it taught be a very cruel lesson!

Tixy

It is sometimes possible to get a creditor to agree to removed them, but rare.

Having it on file does seriously mess up your ability to get credit yes.

It won't hurt to try by writing and explaining the circumstances and asking them to consider removal of them.
But it would be a goodwill gesture on their behalf, not something they are required to do.

Have a read of this Mental Health & Debt Guide: Free booklet for depression, bipolar & anxiety
there may be something you in there you can quote that might be persuasive about how they deal with people with MH issues.