Can I get defaults removed because of an illness?

redwarhorse

I just wanted to ask. Is it possible to get debt agents and companies that I have a defaulted with on the past to remove it?

I was diagnosed with a serious illness that is degenerative and has left me disabled. For a while I didn't handle it well mentally. I consequently just dropped out of life. I ended up defaulting on two phone bills and an overdrawn bank account.

I've paid them all off 100%. I'm not disputing that I did default. I did. However it was 100% because of my illness. I can get the medical evidence to back it all up.

However talking to these debt agencies is making my blood boil. They were nice when I owed them the money and once I paid it off they just fobbed me off. They're telling me that they can't remove it and that it would be illegal to do so. Is it true?

Kind of makes me wish I didn't bother to pay them off. Two of would have disappeared next year.

Westminster

Short answer - no.

Credit file is supposed to be a factual record - and as your acknowledge yourself, you did default.

What you can do is add a Notice of Correction with the 3 CRAs explaining this. The pretty much guarantees that any future credit applications cannot be approved automatically (computer has to say no - and a person has to read any notices).

redwarhorse

That sounds harsh. It's true I did default but it's not like what happened to me is normal.

Is there anyway other than NoC to mitigate this? I live within my means and i don't get into contracts or have a credit card. I don't want to get into the habit of using a credit card or borrowing money.

The reason why I ask is that I'm in Uni at the moment. I want to work in a field that routinely does credit checks on employees. I don't want this dragging me down.

rizla_king

Its about risk. You were ill and defaulted. People default for all sorts of reasons outside their control, but those have to stand as well. As said the way to do it is add a notice of correction explaining why.

[Deleted User]

redwarhorse wrote: »

The reason why I ask is that I'm in Uni at the moment. I want to work in a field that routinely does credit checks on employees. I don't want this dragging me down.

When it comes to it, why not establish whether this will be a problem with any future potential employer?

For what it is worth, I was once offered a job through an agency with 2 defaults (at least that I now know of) and a DRO, I was spared because of honesty and getting answers to the questions surrounding it 'answered right' and also helped that I had no CCJ's - and then crossed my fingers that the agency was going to be honest too!!

It was a placement with the once bailed out group of ...ahem...

A lot more then what your credit report might suggest comes into it

All the best

redwarhorse

Deleted%20User wrote: »

When it comes to it, why not establish whether this will be a problem with any future potential employer?

For what it is worth, I was once offered a job through an agency with 2 defaults (at least that I now know of) and a DRO, I was spared because of honesty and getting answers to the questions surrounding it 'answered right' and also helped that I had no CCJ's - and then crossed my fingers that the agency was going to be honest too!!

It was a placement with the once bailed out group of ...ahem...

A lot more then what your credit report might suggest comes into it

All the best

The problem for me is that I have very little credit activity. I'm on no contracts or memberships. My bank account which I've had since defaulting the old one is very basic and isn't even on my credit file.

So if someone looked at my report they'll see I did well until I suddenly defaulted and then nothing else. I've thought about getting a credit card but I really hate the idea of using them. I've got a nagging feeling that I may end up in a situation with spiralling debt.

Karonher

It may seem harsh to you, but it is only fair to lenders.

In your case there may never be the same circumstances again, but the fact is you have defaulted.

Doesn't someone who does a check on you have the right to know the truth?