📨 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!

Default on credit file

Options
124»

Comments

  • stclair
    stclair Posts: 6,854 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I totally understand how fraustrating the whole saga must be.

    However as I may have said previously they have done me a massive favour by removing the default as it was genuine and money was owed to them. The maddest thing about it was they even wrote off the bill.
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    stclair wrote: »
    I totally understand how fraustrating the whole saga must be.

    However as I may have said previously they have done me a massive favour by removing the default as it was genuine and money was owed to them. The maddest thing about it was they even wrote off the bill.

    I wonder why they treated your case so differently to wizzywig27's? Hmm.
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • stclair
    stclair Posts: 6,854 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 13 February 2013 at 1:19AM
    izools wrote: »
    I wonder why they treated your case so differently to wizzywig27's? Hmm.

    I charmed the woman on the phone :-)

    On a serious note told them the effect it would have on my career in banking, misses was pregnant with our first child and about to apply for our first mortgage.

    As you can imagine only one of those statements is true.
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • izools
    izools Posts: 7,513 Forumite
    1,000 Posts Combo Breaker
    Well BT have removed the two defaults... Again.

    Wonder how long it will be before they reappear again?
    Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
  • wizzywig27
    wizzywig27 Posts: 1,536 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 14 February 2013 at 5:58PM
    izools wrote: »
    Well BT have removed the two defaults... Again.

    Wonder how long it will be before they reappear again?

    Still on there for me!

    At the risk of being rediculed again, I contacted Mr Livingston, I got a quick reply telling me to phone in lol, how annoying!
  • wizzywig27
    wizzywig27 Posts: 1,536 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I sent BT a formal demand for a copy of the default notice last Monday and received a phone call this morning, i missed the call but she left a voicemail saying she would try again, does anyone have any advice in regards to what i can say? is there anything i could mention?
  • stclair
    stclair Posts: 6,854 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    wizzywig27 wrote: »
    I sent BT a formal demand for a copy of the default notice last Monday and received a phone call this morning, i missed the call but she left a voicemail saying she would try again, does anyone have any advice in regards to what i can say? is there anything i could mention?

    I don't think have to send you one as they are not regulated by the credit consumer act.

    Anyone please feel free to correct me if im wrong.
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • wizzywig27
    wizzywig27 Posts: 1,536 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    stclair wrote: »
    I don't think have to send you one as they are not regulated by the credit consumer act.

    Anyone please feel free to correct me if im wrong.

    I read they still have to follow CCA law?

    Also if they are not regulated how can they register a default?
  • TheBigBad
    TheBigBad Posts: 113 Forumite
    Equifax have removed the BT default as BT failed to respond. Will keep checking to see if BT put it back on
  • stclair
    stclair Posts: 6,854 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 3 March 2013 at 11:41PM
    wizzywig27 wrote: »
    I read they still have to follow CCA law?

    Also if they are not regulated how can they register a default?

    This post will explain why? fermi is very knowledgeable poster.

    http://forums.moneysavingexpert.com/showpost.php?p=59729651&postcount=10
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
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
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.6K 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.
Update Your Picture