Default Removal

michaelja1983

Hello can anyone assist I have some defaults on my file that I which to contest and remove.

I have written to each lender with a template I have found however the reply's have been fob off in nature saying a default notice would have gone out and we don't have to provide you with a copy.

Does anyone have a further template letter to send out advising them of the requirements or could anyone advise of the best method of going forward.

Thrugelmir

Are you disputing the fact you defaulted on a debt owed or the dates the defaults were placed?

Buzby

Afraid unless the data is incorrect (as fact) you are limited in what you can do. A Notice of Correction is the usual placebo you can send to the CRA's. other than that, you have to await them timing out after 6 years.

fermi

They don't have to provide you with a "certified copy" of any default notice. The templates people have posted all over the internet (including here on occasion) that say they do are a load of nonsense.

Under ICO guidelines "recommends" lenders should perhaps keep an internal record that one was sent, but they do not have to retain a copy.