I challenged a default on my credit file and had it removed

fusionx212

Hi All, I had a default placed on me by a payday company, I challenged it as the dates and information was incorrect. I challenged it via experian who have confirmed the default has now been removed fully from my credit file as they provided incorrect information

it shows If you bug and moan enough these people will do what it takes to get rid of you.

[Deleted User]

Well done advertising the fact you had a payday loan then didn't pay it back. You must be so proud.

TadleyBaggie

So you still have the Santander (NewDay) default then?

DCFC79

fusionx212 wrote: »

Hi All, I had a default placed on me by a payday company, I challenged it as the dates and information was incorrect. I challenged it via experian who have confirmed the default has now been removed fully from my credit file as they provided incorrect information

it shows If you bug and moan enough these people will do what it takes to get rid of you.

They did what they did as the dates listed were wrong but not to get rid of you.

Gordon_Hose

All they need to do is correct the dates and place it back on your file.

fusionx212

camelot1971 wrote: »

Well done advertising the fact you had a payday loan then didn't pay it back. You must be so proud.

You don't know me or my circumstance. I challenged them because they were wrong previously I had money issues, I am rebuilding, if the information is incorrect on my record and I wasn't treated fairly by the lenders then I have every right to challenge it. these places take advantage of A lot of people in dire situations you should keep your non observant remarks to yourself.

the system is there for both sides to to use and I intend to use the system to my benefit just like they use it to theirs.

fusionx212

Gordon_Hose wrote: »

All they need to do is correct the dates and place it back on your file.

they are legally not allowed to register the same default twice. if they did I would challenge it again with the FOS

fusionx212

TadleyBaggie wrote: »

So you still have the Santander (NewDay) default then?

Yep my ever raging battle with Santander and these companies are still going on.

I have SAR them, I highly doubt they hold my information. I'll keep you guys posted.

Gordon_Hose

fusionx212 wrote: »

they are legally not allowed to register the same default twice. if they did I would challenge it again with the FOS

Might want to check that. It isn't registered twice, they can remove it to update the information to be correct then re-register it.

How else do you think debt collection agencies can re-register defaulted debts from the original creditor to their name?

Two defaults for the same debt cannot exist, but they can remove it to update info then re-apply it - it's the same default.

fusionx212

Gordon_Hose wrote: »

Might want to check that. It isn't registered twice, they can remove it to update the information to be correct then re-register it.

How else do you think debt collection agencies can re-register defaulted debts from the original creditor to their name?

Two defaults for the same debt cannot exist, but they can remove it to update info then re-apply it - it's the same default.

I checked all credit reports all entries for it have been removed. no secondary entries.

I'd add I also have a challenge in against the payday loans company to remove the default so it may have been influenced by them I don't know.

Gordon_Hose

If I were you I'd keep an eye on it, in case they put it back on.