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Question on Defaults
Comments
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De4noVincent wrote: »I could possibly try negotiate paying the other two off in full for removal of the £28 already paid off?
Would make credit history worthless to the organisations that use (and pay for access to) the data. If defaults could be negotiated away.0 -
Well I'm already paying the other two off monthly but just thought it could be worth a try.0
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You can ask for removal, but as its only what £28 quid ? i doubt you will get any were to be honest.
Thrugelmir hits the nail on the head !!I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Yeah it's only £28 which is another reason I'd like it removed, as mentioned it's already paid in full, first phonecall made to them a few months back I paid in full.
Can a DCA actually file a default, as I thought this would need to be done by three?0 -
Yes they can, Your only argument could be the date of the default0
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De4noVincent wrote: »Yeah it's only £28 which is another reason I'd like it removed, as mentioned it's already paid in full, first phonecall made to them a few months back I paid in full.
Ah, well what tiny amount of bargaining power you might of had, has vanished then !!!I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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