Halifax default

bunnymtg

Hello again!

After checking my credit report on Equifax, Experian and Noodle-Call credit.

On Noodle and Equifax I have a recent default from Halifax.

I currently bank with them (now on a cash card) but did have a current account with them.

One incorrect DD ended up snowballing into a mountain of charges, Halifax were most unhelpful but I arranged repayments. Lost my job and was not entitled to benefits so got behind anyway before I knew it they closed the current account and sold it. I am currently in the process of arranging a repayment with them approx £309.

It states on the 2 reports default and account is £309 and it is written as though it is still active.

I did not receive ANY default notice. I was always willing to pay towards it even if it was just £10 a month. Never ever ever received a default notice.

Where do I stand with this? It seems really unfair as I was always willing to pay whatever I can towards this debt and then out of the blue-default.

Can I change this?

Thank you so much in advance.

Tixy

Strictly there is no requirement for a bank to send a notice of intention to file a default for a current account/overdraft.

However a bank will usually send a letter making it clear that not repaying the debt would be recorded on your credit file. They should also write to you to warn you that the debt is being passed to a debt collection agency.

You could try writing to ask them to consider removing the default as it arose due to charges incurred on a single bounced DD of £x.

Unfortunately defaults are a record that you were unable to keep up with repayments, rather than unwilling to.

bunnymtg

Thank you Tixy.

Most of the owed £309 are charges. I have not actually claimed these and judging from what I have read on here, I still may be able to claim them.

I have no intention of doing so at the moment but maybe I could use that somehow as a bargaining tool for taking the default off???

Thanks in advance guys

National_Debtline

Rachelw wrote: »

Thank you Tixy.

Most of the owed £309 are charges. I have not actually claimed these and judging from what I have read on here, I still may be able to claim them.

I have no intention of doing so at the moment but maybe I could use that somehow as a bargaining tool for taking the default off???

Thanks in advance guys

Hi Rachel

There are no guarantees here I'm afraid. The bank is entitled to report any information to the credit agencies that is factually accurate, however harsh a decision it may have appeared to default you essentially on the basis of a single bounced D/D. As they say however, if you don't ask you don't get.

Failing this, perhaps you should consider adding a Notice of Correction to your credit file to explain any mitigating factors you want other potential lenders to be aware of. More on this in our credit ratings fact sheet:

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=05_credit_reference_agencies

Kind Regards

Dennis @NDL