Bank Charges Default Remove from Credit File..

amure1

Hi

I use to bank with Halifax about 4 years ago, and during the time I managed to get 2 unpaid Direct Debit fine (from DD which I cancelled and were re-added without my knowledge) which pushed me into the red, I think the fines at the time were £30-35.. I was also not in the UK at the time I was staying with a family member in the US for 2 months (returned 1 month from date of first fine). I returned to find out that Halifax had put fines upon fines which accumulated to £650! which at that time I could not afford, I spoke to Halifax and they would not budge, I intern said I will not pay that extortionate fine and could not even if i wanted to, especially when you have take so much in fines that and previous year which were said to be unlawful at the time..

I dont really care about getting money back or paying for the fine (which I still think I should not have to pay that much by any means) what I care about is getting this off my credit file if there is any way this is possible without having to wait 2 or so years. I think it is now showing up as a default and know this will hinder my chances of getting a mortgage when im ready towards the end of this year. I did not think that there was going to be an issue as about 1.5 years back i checked my credit and there was nothing on there about this matter...

If anyone can help I would be really grateful!!


Thanks


Amure1

YoYoY

amure1 wrote: »

Hi

I use to bank with Halifax about 4 years ago, and during the time I managed to get 2 unpaid Direct Debit fine (from DD which I cancelled and were re-added without my knowledge) which pushed me into the red, I think the fines at the time were £30-35.. I was also not in the UK at the time I was staying with a family member in the US for 2 months (returned 1 month from date of first fine). I returned to find out that Halifax had put fines upon fines which accumulated to £650! which at that time I could not afford, I spoke to Halifax and they would not budge, I intern said I will not pay that extortionate fine and could not even if i wanted to, especially when you have take so much in fines that and previous year which were said to be unlawful at the time..

I dont really care about getting money back or paying for the fine (which I still think I should not have to pay that much by any means) what I care about is getting this off my credit file if there is any way this is possible without having to wait 2 or so years. I think it is now showing up as a default and know this will hinder my chances of getting a mortgage when im ready towards the end of this year. I did not think that there was going to be an issue as about 1.5 years back i checked my credit and there was nothing on there about this matter...

If anyone can help I would be really grateful!!


Thanks


Amure1

Why do you think you should have the default removed from your credit records?

If you are in default, creditors make such a record with the credit reference agencies to alert others who may otherwise be minded to extend credit to you.

amure1

YoYoY wrote: »

Why do you think you should have the default removed from your credit records?

If you are in default, creditors make such a record with the credit reference agencies to alert others who may otherwise be minded to extend credit to you.

Is it not being disputed that these extortionate charges that caused it in the first place are not legit??? otherwise i would not be here wasting time... Not sure what the current situation is at the moment hence the tread!

YoYoY

amure1 wrote: »

Is it not being disputed that these extortionate charges that caused it in the first place are not legit??? otherwise i would not be here wasting time... Not sure what the current situation is at the moment hence the tread!..

No, its not currently being disputed, and hasn't been to any great extent since 2009.