Can I get my default removed ??

hanns79

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

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

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

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

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

Smashing result

EmmaHerts

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

nope instead you have the missed payments, which will be as bad