We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

credit card default

Hi
I was given a credit card default I gather that i may be able to get this lifted and claim back my charges. Can you tell me where to get a template letter for this ?? Thanks

Comments

  • CLAPTON
    CLAPTON Posts: 41,865 Forumite
    10,000 Posts Combo Breaker
    to reclaim your bank charges read this board
    http://www.consumeractiongroup.co.uk/forum/

    if the default has been correctly given then its unlikely you can get it lifted .. it will however have a major impact on your ability to get credit
  • exel1966
    exel1966 Posts: 5,060 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    You will NOT get a default removed unless it is there in error. Even then it wouldn't be straightforward. Any default will stay on your record for 6 years and will have an adverse effect on any future credit application.
    What kind of default do you think you have ? Have you obtained your credit file from the CRA's ?
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.2K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.