a £30 default on my file by EE and 4 month left on other default

gloryninja

Hey there,


There is possibly hundreds of topics about this situation but the scenario i am in i need a bit of extra help.


EE or T-mobile back then defaulted by account 3 years ago for £30... If i received a letter about a default then i would of paid it..., i mean £30? which ruined my credit. EE states they sent a letter but i did not get one but its my words against there's. I would of paid £30 easily but now i have another 3 years to wait till it clears. Isnt there any option where i can ask them to remove this since it is such a low amount?

I also have another default which has 4 month till it gets removed but was wondering if i can ask the creditor to remove it earlier due to financial reasons (mortgage etc) ?

is any one this possible?

Gaz83

You could ask them to remove the defaults as a gesture of goodwill. Are they now settled?

They're not obliged to, though, and they might not. Many lenders might not take too kindly at being asked to remove a default for non-payment of a debt in order to allow someone to make a more favourable application for more credit.

fusionx212

gloryninja wrote: »

Hey there,


There is possibly hundreds of topics about this situation but the scenario i am in i need a bit of extra help.


EE or T-mobile back then defaulted by account 3 years ago for £30... If i received a letter about a default then i would of paid it..., i mean £30? which ruined my credit. EE states they sent a letter but i did not get one but its my words against there's. I would of paid £30 easily but now i have another 3 years to wait till it clears. Isnt there any option where i can ask them to remove this since it is such a low amount?

I also have another default which has 4 month till it gets removed but was wondering if i can ask the creditor to remove it earlier due to financial reasons (mortgage etc) ?

is any one this possible?

it is possible to get it removed, do a subject access request send it recorded delivery and £10 postal order asking for all information about you and your accounts with them and ask for proof of the default letter for the amount. if they cannot provide this then you can challenge it.

check the dates on the default and check the information is correct if it isn't they have to then remove the default. this can also be challenged with experian equifax etc.

however they will not remove a default on the basis it's low amount and oversight as it's your responsibility to maintain your payments on time with them.

are you a customer with them now?

casperjebba

My credit file showed up a default of £20 from EE, who were t Mobile back then. I emailed them directly to ask why it had been placed on and they admitted it was their fault. they then told me the debt had been sold to a company called sigma red, who then after 6 months of me emailing to get a response, was sold on to Lowells.

I explained to Lowells by email what had happened and they sent me a letter almost immediately saying they had removed the default and it would be taken off my file.

I don't know their procedures so I may be wrong, but it seemed like they weren't interested in the story I had given them, and they just cancelled the default to save them the hassle.

if your debt has been sold on to an agency (which is likely if it is a 3 year old debt) like this I would chance it and see what they want to do. the chances are they bought a £30 debt for some ridiculously small amount along with a load of other debt and they won't be bothered about hanging onto yours for the sake of £30.

Just my £0.02p. Hope you get rid of the default!

fusionx212

casperjebba wrote: »

My credit file showed up a default of £20 from EE, who were t Mobile back then. I emailed them directly to ask why it had been placed on and they admitted it was their fault. they then told me the debt had been sold to a company called sigma red, who then after 6 months of me emailing to get a response, was sold on to Lowells.

I explained to Lowells by email what had happened and they sent me a letter almost immediately saying they had removed the default and it would be taken off my file.

I don't know their procedures so I may be wrong, but it seemed like they weren't interested in the story I had given them, and they just cancelled the default to save them the hassle.

if your debt has been sold on to an agency (which is likely if it is a 3 year old debt) like this I would chance it and see what they want to do. the chances are they bought a £30 debt for some ridiculously small amount along with a load of other debt and they won't be bothered about hanging onto yours for the sake of £30.

Just my £0.02p. Hope you get rid of the default!

:beer::j ^^^ although it shouldn't of happened well done for standing your ground. I'd also make a complaint to t-mobile.. 6 months sorting this out is too long put a complain in for distress caused and then complain to the fos. if these companies get away with this then they deserve the full force of the system they are not using correctly.

dazzaofdagenham

Not directly related to this but.

I normally don't cancel a direct debit until I get a final bill from the network as showing nothing to be paid and then cancel the direct debit...this allows for any late charges to be paid....I.e. Roaming or premium texts.
2 years ago I did such with Vodafone, had final bill and this was paid via direct debit and then I cancelled the direct debit....
3 months later I get contacted by a debit collection agency saying I owe 80 pounds to Vodafone for line rental and the amount was increasing...Vodafone had tried to still collect the line rental on a closed account.

I still had all the paperwork in relation to the account closure and it took another 3 months to get it all sorted.

So beware !!!