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Default entry removed. It is possible!
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The only thing is, the letters on the site which has been quoted seems to look like the customer's saying his default's been paid etc but mine hasn't - so i wont be able to use that template?????
Would anyone be so kind to look at my post re: my default as i'm so upset as this truly wasn't my fault!
Thanks all0 -
cuteycakes wrote: »The only thing is, the letters on the site which has been quoted seems to look like the customer's saying his default's been paid etc but mine hasn't - so i wont be able to use that template?????
Would anyone be so kind to look at my post re: my default as i'm so upset as this truly wasn't my fault!
Thanks all
Read it again! It was a case that the default notice had never been received. And you never received yours either, did you?Don't lie, thieve, cheat or steal. The Government do not like the competition.
The Lord Giveth and the Government Taketh Away.
I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)0 -
i did this with littlewoods catalogue as they put a default on my credit file because they couldn't produce the cca.
now i never recieved a default notice, just a letter saying they wouldn't be pursuing the debt but it would be noted on my credit files and internally.
now i queared this after reading that site and littlewoods told me that it says in their terms and conditions that they can issue a default without having to send me a copy, but what gripes me is they only placed this default on my files because they couldn't produce the cca, they never put one on whilst i was in arrangement with them for 4 years.
i rang equifax and they said they would deal with littlewoods for me as they said the default shouldn't be there. I recieved a letter from them saying that littlewoods were unable to remove the default and that i should contact them.
Is it still worth pursuing?
donnalove
xx0 -
Yes it is. A default notice can only be issued when there is a signed CCA agreement. If there is no CCA, no default notice - QED!
Write to Littlewoods, notify them of this. Also write to the Office of Fair Trading who grant CCA's and notify them of Littlewoods behaviour. Also write to Trading Standards and notify them of the same. You can also quote the Unfair Terms in Consumer Contracts Regulations 1999 in your letter to Littlewoods. TBH that last bit is a bit of BS, as I don't know if your situation would be covered, but it has worked for me in the past. However I would suspect that their condition that they can record the default without a CCA would fall under the regulations.
Do not give in to these bullies. Stand up to them. I am sure you can get this entry removed.
HTHDon't lie, thieve, cheat or steal. The Government do not like the competition.
The Lord Giveth and the Government Taketh Away.
I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)0 -
Is it possible to use these letters etc even when the loan etc HAS NOT been satisfied in full or is still outstanding?
Chimpchoker0 -
I have already sent a letter (a sort of sob story) which includes my admittance that I defaulted. Would I still be able to use the letters or have I screwed that chance up? Also, what are the chances of a cc company removing a default if they did do the paperwork? I had a perfect payment record before and after last September when a debt management company misled me into thinking their services would help me. I was soooo foolish and three months later I had 2x 2month arrears and 1x default. I am now up to date with all my payments and have sacked Abacus Finance from 'helping' me but. I would really like to get this defualt notice off my record though. Would it be better (or no difference) if I settle my debt with the defaulted creditor?0
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I have already sent a letter (a sort of sob story) which includes my admittance that I defaulted. Would I still be able to use the letters or have I screwed that chance up? Also, what are the chances of a cc company removing a default if they did do the paperwork? I had a perfect payment record before and after last September when a debt management company misled me into thinking their services would help me. I was soooo foolish and three months later I had 2x 2month arrears and 1x default. I am now up to date with all my payments and have sacked Abacus Finance from 'helping' me but. I would really like to get this defualt notice off my record though. Would it be better (or no difference) if I settle my debt with the defaulted creditor?
Settling the debt will result in the Default notice being marked as Satisfied. TBH this means nothing. A Default notice that has been satisfied means nothing in the eyes of lenders, you still won't get any meaningful credit.
I have heard of someone who like yourself threw themselves at the mercy of the creditor, explained and apologised profusely and the lender removed the default as a gesture of goodwill! I think this is extremely rare though.
The Default notice is recorded on your credit file by the lender, and only they have the discretion to remove it, unless you can prove the procedures were not followed properly. However, as your Default is recent, lenders have become more stringent in adhering.
The best bet you have is to contact the creditor, make an offer to pay based on them removing the Default. To get them to do this you will have to put yourself at their mercy and have a convincing story as to why they should.
Good luck.
HTHDon't lie, thieve, cheat or steal. The Government do not like the competition.
The Lord Giveth and the Government Taketh Away.
I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)0 -
sorry if this has been covered in another thread but im new to this!
If settling my debt that a default has been served on doesnt remove it then does it ever come off or am I destined to have bad credit forever? is it the same with missed payments of CCJs?
thanks x0 -
Well a default notice stays on your file for 6 years, regardless of whether you pay it or not. However, follow the advice in my first post at the top of this thread and you stand a chance of getting it removed.Don't lie, thieve, cheat or steal. The Government do not like the competition.
The Lord Giveth and the Government Taketh Away.
I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)0 -
I know from reading threads on here that if you are on a DMP your credit rate is affected I dont think you receive a default unless a creditor has informed you that they will register a default on your record. I think DMPs put a red light on your credit record but not necessarily a default. So I suppose my question is could this apply to the affect a DMP has on your Credit record??This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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