We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
default notice part 2
smileykylie_2
Posts: 239 Forumite
in Loans
Hi again
I checked last night and they have definitely issued me with a default notice (explains why I was recently refused a loan!!) So effectively they have issued me with a default notice after 9 days. As i explained yesterday they rang me the day after my direct debit was due and did not go through. I told them I thought the payment date had changed as the last payment was taken out 3-4 days late and that they should try to take the direct debit again as I had been paid and there was plenty of money.
I recieved a letter dated the same date but ignored it as I assumed that they were going to take the direct debit again. They rang me on holiday and told me I was in arrears so I gave them a card payment. i could not argue at that point as i was on holiday. It was not until i checked last night that i realised that it was an actual default.
Can I get this removed from my credit record given that i asked them to take the direct debit and they did not?? and if so how should i go about it.
many thanks
I checked last night and they have definitely issued me with a default notice (explains why I was recently refused a loan!!) So effectively they have issued me with a default notice after 9 days. As i explained yesterday they rang me the day after my direct debit was due and did not go through. I told them I thought the payment date had changed as the last payment was taken out 3-4 days late and that they should try to take the direct debit again as I had been paid and there was plenty of money.
I recieved a letter dated the same date but ignored it as I assumed that they were going to take the direct debit again. They rang me on holiday and told me I was in arrears so I gave them a card payment. i could not argue at that point as i was on holiday. It was not until i checked last night that i realised that it was an actual default.
Can I get this removed from my credit record given that i asked them to take the direct debit and they did not?? and if so how should i go about it.
many thanks
0
Comments
-
anyone?????0
-
your better posting this on the end of your old post then peolple know what your origional argument was0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.5K Banking & Borrowing
- 254.1K Reduce Debt & Boost Income
- 455K Spending & Discounts
- 246.6K Work, Benefits & Business
- 602.9K Mortgages, Homes & Bills
- 178K Life & Family
- 260.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards