Unfair defaults and how to get rid of them ?

Ilikenoodles_2

BugsyBrowne wrote: »

I doubt you will find it amusing when you apply For credit and get turned down for the next 6 years.

As a matter of fact I got a new mobile phone contract yesterday

Having a default or even a number of defaults does not automaticaly bar you from obtaining credit...

YorkshireBoy

boliston wrote: »

Apparently you can "cancel" one by writing to the person you gave the authority to and they have to respect that instruction even if you owe them money

I can't believe that's possible, without giving an alternative payment method.

But you can now cancel the CPA with your bank instead, something which wasn't easily possible before the 'rules' were changed recently.

It's probably safest to report the card lost as this means you will get a new card with a different number so no more payments can be debited to the old number.

That's an urban myth! The old and new card numbers will be linked internally by the bank, and so any payments claimed on the old card number will still be processed.

YorkshireBoy

Ilikenoodles wrote: »

Having a default or even a number of defaults does not automaticaly bar you from obtaining credit...

Try getting a mortgage, loan, or credit card (or even rental property through a letting agency) with those defaults and you'll find it's a different story.

The amount of credit extended on a mobile phone contract is very small (limited to one month?), so your statement is flawed somewhat.

But back to your LTSB default...it won't be removed, even with a complaint referred to the FOS/ICO. You asked them to pay a bill (via the aforementioned 'informal overdraft' request). They paid it for you. They then charged you as per their published tariff. You then didn't pay LTSB back (for some considerable time).

Time to move on?

Ilikenoodles_2

YorkshireBoy wrote: »

Try getting a mortgage, loan, or credit card (or even rental property through a letting agency) with those defaults and you'll find it's a different story.

The amount of credit extended on a mobile phone contract is very small (limited to one month?), so your statement is flawed somewhat.

But back to your LTSB default...it won't be removed, even with a complaint referred to the FOS/ICO. You asked them to pay a bill (via the aforementioned 'informal overdraft' request). They paid it for you. They then charged you as per their published tariff. You then didn't pay LTSB back (for some considerable time).

Time to move on?

Yes thank you yorkshireboy you have made your opinion/view quite clear now, no need to keep repeating yourself.

Time to move on?

KingElvis

Jesus wept....the holes people dig are sometimes hard to take

boliston

YorkshireBoy wrote: »

I can't believe that's possible, without giving an alternative payment method.

But you can now cancel the CPA with your bank instead, something which wasn't easily possible before the 'rules' were changed recently.That's an urban myth! The old and new card numbers will be linked internally by the bank, and so any payments claimed on the old card number will still be processed.

If payments can still be taken using the OLD card number then what is the point in issuing a new card with a new number?

ILW

boliston wrote: »

If payments can still be taken using the OLD card number then what is the point in issuing a new card with a new number?

To save any new transactions, anything set u ppreviously will often be honoured.

opinions4u

Ilikenoodles wrote: »

Yes thank you yorkshireboy

In that case you should click the <thanks> button underneath each helpful post.

you have made your opinion/view quite clear now, no need to keep repeating yourself.

Well there is. Because you don't seem to have understood the fairly clear information and advice others have kindly shared with you. And you're sniping at the poster who was doing his best to establish more facts to try and find a potential way out for you. Well done.

Time to move on?

When you're ready.

No point blaming others for your problem. No point hitting out at those who explain the facts. No point getting wound up by the same view being consistently posted by different individuals. It's not the fault of those posters that you have backed yourself into a corner. But I've already stayed similar. Just not sure that you got it.

chanz4

By the way ask the site that claim defaults get removed so easy for proof, bet they cant as a lot are correctly done.

YorkshireBoy

boliston wrote: »

If payments can still be taken using the OLD card number then what is the point in issuing a new card with a new number?

There isn't one, under the circumstances you suggested. That was my point.

Think about it...if you forgot to notify the people you have contracts/agreements with and the bank failed to honour those payments you'd be in danger of defaulting/reneging on those agreements. You'd then complain to the bank, creating them more work.

Plus if they did block a card payment claim, the other company would simply produce evidence that you'd given prior authorisation to process payments on the account which the debit card is linked to.