Default - No credit agreement

D_M_E

So basically they are trying to make you pay for showing an interest in being an agent, despite the fact that you never actually became an agent.

I think you need to stay off the phone and write a letter detailing that fact and ask them to remove the markers and clear the "account" as you never were an agent in the first place and therefore should never had had an account opened.

spook104

I'm still awaiting for a reply from Avon but...

I raised a query with Experian and they came back to me today.

Apparently the default has been satisfied. Yet no payments have been made to Avon since the default was entered.

Still trying to track down bank payments but this along with Avon entering the wrong amounts as outstanding on my credit file (by their own admission) only seems to add weight to the fact that Avon have messed up.

No contact to say there was an outstanding balance.
No notice of default.
Entering the wrong details on my credit file.

Even if there was a valid agreement these are all mistakes they have made.

Surely I have grounds just on the mistakes they have made.

spadoosh

spook104 wrote: »

I'm still awaiting for a reply from Avon but...

I raised a query with Experian and they came back to me today.

Apparently the default has been satisfied. Yet no payments have been made to Avon since the default was entered.

Still trying to track down bank payments but this along with Avon entering the wrong amounts as outstanding on my credit file (by their own admission) only seems to add weight to the fact that Avon have messed up.

No contact to say there was an outstanding balance.
No notice of default.
Entering the wrong details on my credit file.

Even if there was a valid agreement these are all mistakes they have made.

Surely I have grounds just on the mistakes they have made.

No contact to say there was an outstanding balance.

Any contract will be in name only. They assume its you as thats what deatils where used. Im pretty confident your family memeber would have agreed to a contract. Why would they give it to you when theyve given someone pretending to be you?

No notice of default.

There might have been a notice of default. I would assume they used the details that where given to them by your family member, at a guess, they didnt use your address.

Entering the wrong details on my credit file.
Mistakes can and do happen. I wouldnt be expecting them to remove a default because they got the amount wrong. Whether its £1 million or 60p. They are simply letting other lenders know that you failed to settle your accounts on time.

The only thing i think you have grounds for is fraudulent activity. You cant blame mistakes made by them directly as a result of them receiving fraudulent information. It was impossible for them to do any of the first two mistakes any other way because your family member lied.

By all means try it you might be able to confuse them into removing it. Good luck.

spook104

I think you read contact as contract....

They had the right details for me as they wrote to me previously.

So definitely no notice of default.

Mistakes do happen, but they are saying there is no outstanding balance, after saying there was £30 outstanding and they haven't had any payments.

What I'm saying is. Regardless of the contract. They have made at least 4 mistakes on the outstanding balance during the last 5 months. No notice of default. No notice of outstanding balance. Their own contract states that I'm free from any obligations of the contract when the account is closed.

All of that says they have missed managed my credit file entries and actually by their own contract it shouldn't have been entered on there after September.

McKneff

I am getting the impression from the first post that the family member signed up as an Avon Rep in the Op's name but using her/his own address perhapsbecause she/he couldnt get credit . In this case the op would get no correspondence

spook104

Not the case as I've had correspondence from them previously to the correct address.

They also previously emailed me. I've also spoken to them and they have my address correctly recorded

spook104

I just wanted to up date this thread so that anyone else in the same or similar situation does know it is possible to get defaults removed.

After several emails to avon that went unanswered I found the default removed from my credit file. I've confirmed with experian that Avon issues a form to adjust the record entries to my credit file and mark the account as settled not defaulted.

spadoosh

Great news!

What was it that made them capitulate? The lack of contact when applying it or it being fraudulently set up?

You can get defaults removed very easily if applied incorrectly. Its normally only the two excuses above that will see them removed though. Mine was removed after a phone call to inform that i had been a victim of fraud.