Default entry removed. It is possible!

tj1984

Hi i am asking this on behalf of a friend. Basically the jist is she ran up a massive bill on her orange mobile contract. her dad contacted orange and they agreed to reduce the bill to £400 pounds. they sent her a letter asking her to pay £22 a month repayment. she didnt make any repayments for a month or two and then paid the bill off in full. When she went to get a car on finance about a year after they turned her down because she had a default on her credit file. When she did an experian credit report it showed that orange had put a default on there and it said that the account was settled. she never received a default notice from orange about this and surely because the account was settled in full, can she get this default removed from her credit file?

emerald1978

is the information on the link learnmoney.co.uk still upto date, i want to try and get a couple of defaults removed as its causing me problems trying to rent and get a mortgage

deedubya20

I sent a letter to see CL Finance Limited who are welcome finance they responded stating

please note that under section 77/78 of the consumer credit act 1974 there is no requirement that the creditor to provide a copy of an agreement where there is no sum payable under the agreement

further there is no requirement under section 77/78 to provide a copy of a default notice or deed of assignment

Can anyone please help?

fermi

DazCleland wrote: »

Hello there, i need some help about getting a default removed from my credit report that isnt even my fault!!!!!!

Hi.

That would be better off posted in a new thread. I'll move it into one and add a link to the new thread below.

Link ---> https://forums.moneysavingexpert.com/discussion/3773815