Credit Card Debt - Default, Payment Plan or arrears

BugsyBrowne

Tassy wrote: »

How's that working out for him?

He's happy as larry as every bit of money he earns now go straight in his pocket.

Yes he can't get credit for a few years but in the meantime he's not getting threating letters etc through the letter box or struggling a pay X amount of money.

michaelc23

Hi everyone,

Was hoping people could help me.

In process of applying for a mortage and it has been declined due to my credit report. It is fair and at 839 on experian. I have 2 missed payments which was due to Santander (topman)not sending statements out to my correct address.

I phoned up and complained and was refunded my late payment charges however they did not take off the defaults on my credit report.

I phoned them today and they said they would take them off within 48hours as a goodwill gesture.

What i would like to know is how long will it take for it to come off my actual credit report?

Just because i am appealing the decision of the mortgage being rejected with evidence of my statement showing the 2 late payments being refunded and hopefully also the defaults not being on anymore.

Any help would be much appreciated.