Unfair defaults and how to get rid of them ?

chanz4

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?

Letting agents cant see defaults, only ccjs

redsaxon

ILW wrote: »

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

Ive set up a payment arrangement with a PDL to clear a debt but also cancelled my card due to another stupid mistake,i contacted them to get their bank details so i can pay by standing order-if they decide to take the monthly payment anyway it will come from the account linked to my old debit card?

YorkshireBoy

chanz4 wrote: »

Letting agents cant see defaults, only ccjs

Thanks. Perhaps I should have added a question mark to that statement.

Ilikenoodles_2

There is no site "claiming" to remove defaults it just tells you how.
You have to do it yourself.

bigadaj

KingElvis wrote: »

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

You're getting very religious all of a sudden, I preferred the old elvis a la testicle dans la magi mix.

dealer_wins

OP learn from your bad experiences and dont make the same mistakes again.

Borrowing money when you know you cant repay it on its repayment date is an automatic default.

Even it was to stop you being evicted or feeding a 1 day old baby, its still a default if you dont pay it back when its due.

Macca83_2

A continuous payment authority is best cancelled through your bank. They Will inform the company that you are cancelling all payments and note this on your file. They are still notoriously hard to stop with some companies but as you have recorded it with the bank they Will claim any payments back on request.

Maybe as the advice on this thread is not appreciated, the poster should inform us of exactly what he wants to hear and we can follow suit?

27col

I think we know what the OP wants to hear. Unfortunately for him/her, the OP has not heard and is not going to hear, what they want to hear. If you know what I mean. Hence the OP's bad tempered responses.

somethingcorporate

OP, can you articulate why you think the defaults are unfair?

They complied with the T&Cs of the contract you signed - evidently you didn't.

Even if you think it is "sharp" practice, unfair etc. does not necessarily make it so. You DID default and hence having defaults registered against you seems apt.

MrChandlerBing

Ilikenoodles wrote: »

I see,

Here was me thinking this forum was for advice.

Clearly I was wrong its here to chastise people and tell them they have been naughty then make sure they are aware of the consequences of their actions.

Are you kidding me? as if we dont already live in enough of a nanny society Christ on his throne...

I mean who do you people think you are exactly? cos im certain none of you are my mother and father I dident need to be told what I did was wrong I needed advice
and so far all I have gotten is "Go and learn some money managment" ill go somewhere else for help

wow I clearly got this place wrong...

This forum is for advice. You have been given very good advice. Unfortuantly its not the advice you want to hear.