Double Default Removal

Paton47

Original Post Below
Hi Guys
Looking for some advice regarding defaults. Long story short I was in a DMP for years which I paid for. Managed to come out of it this year after getting some money with the intention of offering my creditors a partial settlement. A few of them have accepted my offers and a few haven't so I've arranged to pay a minimal sum to them every month. One of them LINK FINANCIAL have been really horrible and unhelpful unlike the others. They basically wouldn't accept anything then registered a default on my credit file for this account. This has really wound me uo as my credit file had just recovered and was in a healthy state. Before anyone says it I know I owe them the money but I've paid the majority of this off pretty sure what I owe is the fees they piled on with charges and defaults etc. My question is about the default though, this account already had a default on it way back when I got into financial difficulty. I've been told and have read that you can't get a default on an account that already has one. I have written to them asking about the default and for the CCA as well as apparently if they don't have this it limits the power they have but they've ignored this. So I am about to issue another letter asking again for a response to both these points but wondered if anyone knows of anything else I can do. Can I approach the credit reference agency to get it removed? Any help or advice will be great appreciated...thanks

Latest Update Below
Have an update guys so any further advice would be much appreciated 😁 So finally received my SAR request today 🙌🏻 Seems I’ve had a few accounts with Barclaycard on behalf of other company’s. Managed to locate the account in question but they’ve really only sent me statements 🤔 no credit agreements or default notices 🤷🏻!♀️ no record of a default in any statements either but it does state it’s going to happen. Anyway l phoned Barclaycard up and asked about the default and they confirmed they issued it in February 2015 which is only 4 years ago. I found this strange though as it’s nowhere to be seen on my credit file so l assumed it was note than 6 years ago they did it. Still it confirms there’s a default already on this account so I’ve asked them to send me a copy of this which they agreed to. So am right in saying I should write a letter of complaint to Link asking them to remove the default from my credit file? Should l state that l know for sure it already has one and should l say to them l will make a complaint to ICO if they don’t comply? Just unsure what to say should l go in lightly to start with or make my intentions very clear from the start? Is there a template anywhere for this type of letter? Any help much appreciated guys 🙏🏻

Can anyone help at all with what I should put in the letter to Link asking for the default to be removed Just don't want to muck it up.

Willing2Learn

Paton47 wrote: »

Have an update guys so any further advice would be much appreciated �� So finally received my SAR request today ���� Seems I’ve had a few accounts with Barclaycard on behalf of other company’s. Managed to locate the account in question but they’ve really only sent me statements �� no credit agreements or default notices ����!♀️ no record of a default in any statements either but it does state it’s going to happen. Anyway l phoned Barclaycard up and asked about the default and they confirmed they issued it in February 2015 which is only 4 years ago. I found this strange though as it’s nowhere to be seen on my credit file so l assumed it was note than 6 years ago they did it. Still it confirms there’s a default already on this account so I’ve asked them to send me a copy of this which they agreed to. So am right in saying I should write a letter of complaint to Link asking them to remove the default from my credit file? Should l state that l know for sure it already has one and should l say to them l will make a complaint to ICO if they don’t comply? Just unsure what to say should l go in lightly to start with or make my intentions very clear from the start? Is there a template anywhere for this type of letter? Any help much appreciated guys ����

Hi,

The ICO have a letter template on their website. It is on the webpage link below:
https://ico.org.uk/your-data-matters/raising-concerns/

Paton47

Thank you so much Willing2learn