Default for £12

OKAPI

I had a default for £12 in August 2012. I paid off the cost in May of this year (it was about £100 due to unpaid DD charges).

Is there any way of getting this default removed as it's such a small amount of money?

I am thinking of writing to the company who put the default on my file (Lowell Portfolio), but I don't know what to write? Ask for them to remove it in good faith? As a gesture of good will?

It is the only black mark (well red according to equifax!) I have on my file, so I know I defaulted, but it's causing me issues especially as I'm a single parent to 4 children.

Any advice would be brilliant thank you

Tixy

Its unlikely to be removed, but its worth a shot, nothing to lose.

Krystabelle

This sounds very odd to me. Ask them for a copy of the default notice. Lowell do this quite often - put defaults on people's records with incorrect amounts showing. If there is no default notice for £12 then the default needs to be removed. I am currently in the process of getting defaults removed - still working on it and got one for £9,500 removed last week. I

Apples2

Worth a punt but you'd have added weight to your cause if you had repaid the £12 rather than not bother repaying until it had risen to £100.

Did you get a default notice?

OKAPI

Well yes I know that.. but at the time I was suffering from PND and it was all I had to get out of bed in the morning No excuse I know, but I sorted out most of my DD's it was just this one that passed me by.

What is a default notice? A letter? I don't know, unfortunately at that time I buried my head in the sand and a lot of letters I put straight through the shredder so I didn't have to deal with them.

Ellis_T

check the other credit agencies too (I found a default notice on one, but not present on the other 2)

Equifax (free 30 day trial)
Experian (credit expert)
Noddle