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Can I get my default removed ??

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Comments

  • hanns79
    hanns79 Posts: 10 Forumite
    Ninth Anniversary Combo Breaker
    The default was put on due to the credit card companies mistake as it went on after I had paid the settlement figure there for it was not my fault and I did not deserve the default.
  • hanns79
    hanns79 Posts: 10 Forumite
    Ninth Anniversary Combo Breaker
    I would also like to say I agree with sharpy 2010, there seems to be alot of bitter people on this website I only came on for a bit of help and just felt a got alot of negetive attitudes from people who don't seem to have anything better to do!
  • SnowTiger
    SnowTiger Posts: 4,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    hanns79 wrote: »
    The default was put on due to the credit card companies mistake as it went on after I had paid the settlement figure there for it was not my fault and I did not deserve the default.

    However, you did default (break the agreement).

    And the fact that it went to a DCA suggests it wasn't a minor hiccup.

    At best the default was removed due to a (perceived) technical error in registering it.

    Presumably the late payment and partial settle markers still remain your credit file?

    Looks like you got lucky. No doubt they'll get you next time. ;)
  • SuperAllyB
    SuperAllyB Posts: 885 Forumite
    Part of the Furniture 500 Posts Name Dropper
    hanns79 wrote: »
    The default was put on due to the credit card companies mistake as it went on after I had paid the settlement figure there for it was not my fault and I did not deserve the default.

    That would suggest that rather than asking them to remove the default, you should have asked them to correct the date.
  • hanns79
    hanns79 Posts: 10 Forumite
    Ninth Anniversary Combo Breaker
    This case did go to the financial ombudsman and they agreed with me that the default should not have been put on hence the default being removed and I also got compensation.
  • Gordon_Hose
    Gordon_Hose Posts: 6,259 Forumite
    Debt-free and Proud!
    Smashing result :)
  • EmmaHerts
    EmmaHerts Posts: 313 Forumite
    hanns79 wrote: »
    This case did go to the financial ombudsman and they agreed with me that the default should not have been put on hence the default being removed and I also got compensation.

    That's really good! Well done.
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    nope instead you have the missed payments, which will be as bad
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
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