Delete payday loans from your file after the company goes bust. Does anyone know how?

Mortgageafterpdl

Hi all, I appreciate there are many posts about PDL's, so please bear with me!
I ashamedly took out a few PDL's in late 2018 - the last was settled in Jan 2019 (only open for 9 days). At the time I didn't realise that they report to the credit agencies. Now my partner and I are due to apply for a mortgage, and everywhere I look I see that most lenders will rule you out for even having one ever! I didn't (and will not) tell my partner that i used them - please don't judge me. I went online spending mad in response to terrible post natal depression after finally having our son following 10 long and painful years of trying. Fortunately my situation improved significantly and now my scores/files are excellent, but I know a hard search will show these and kill my application. 
I continually read (including on MSE) that you can ask these companies to remove the account from your file if the lender has gone into administration/closed. Has anyone actually achieved this and can you please advise how? I've identified contact information for administrators but am not getting anywhere, and am on a ticking time bomb with having our application due by the end of next month. 
I've also seen a post on here about others getting them deleted without any attempt to contact etc. Just multiple PDL's falling off the reports early. That would be a dream come true but as it's the real world, I just need to understand how I can address at least the couple that have gone bust.
Thanks in advance all.

[Deleted User]

There would be no reason for the accounts to be removed, from what you say.

You need to use a decent broker to place your mortgage in with the right lender.  Hopefully yours has experience of adverse credit and isn't a warehouse, such as L&C.

RelievedSheff

You are going to have to tell your partner as you are going to have to use a broker who has experience of adverse credit applications. You won't get a high street lender with pay day loans on your account and you have no reason to get the pay day loans removed from your credit file. You took them out so they are quite rightly recorded on your credit file.

Now is the time to be honest with your partner rather then when your mortgage application gets declined.

Mortgageafterpdl

I appreciate what you're both saying, but Martin's posts on PDL's advise that you ask for these accounts to be deleted if the lender has gone bust. Hence my question.
Other facts pertinent to our application is that we both have excellent salaries, way above the national average. My files/scores/reports are all excellent. History across 6-years also excellent with the exception of these PDL's. And mortgage requirement is for low LTV as we only require 42% versus the value of our home. In every other way I would be a perfect applicant, so I will address the PDL's if I can identify how.
Thanks

sourcrates

That`s not exactly what Martin says. You cannot have information expunged early from your credit file, unless its as part of the redress received when you win an affordability complaint against a payday lender.

Sometimes they will do this without having to be asked, but not always.

But you must make a complaint, and win, before this can happen.

Mortgageafterpdl

Understood. I've opened a complaint with all of them and requested as a part of this.

adamp87

If your credit report was as you mentioned great over the past 6 years then I can’t see a irresponsible lending complaint coming out in your favour.

By definition someone getting a pay day loan usually is in financial difficulty/trouble, but your post would suggest otherwise. 

Of course if they lent one after the other without checking or you were indicating you were short of being able to pay that will come into your favour. 

Mortgageafterpdl

How rude! I had a small exceptional period in my life, triggered by depression, where for a small number of months I spent - and then borrowed - far more than I could afford, or had coming in. Fortunately I managed to pay each of these off without issues, late payments or defaults. This itself ensures my "history" remained excellent, as I never missed or defaulted on any borrowing. That doesn't mean they were affordable, or that it was responsible of the lenders to provide me with extortionate interest loans. If they had bothered to complete the required due-diligence and had acted responsibly, the number of creditors visible both during that short period on my credit file, and on my bank statements, no lender worth their salt would have awarded yet more credit.

So whilst I thank you for taking the time to respond, I don't appreciate your 4-second opinion of the situation. I have asked a valid question regarding whether they can or cannot be removed, you may not know the answer to this but I'll thank you to keep your negativity to yourself.

[Deleted User]

Mortgageafterpdl said:

Fortunately I managed to pay each of these off without issues, late payments or defaults. This itself ensures my "history" remained excellent, as I never missed or defaulted on any borrowing. 

Unfortunately, there are very few lenders who would agree with you on that, due to the nature of your borrowing.

Mortgageafterpdl

D3xt3r5L4b said:

Mortgageafterpdl said:

How rude! I had a small exceptional period in my life, triggered by depression, where for a small number of months I spent - and then borrowed - far more than I could afford, or had coming in. Fortunately I managed to pay each of these off without issues, late payments or defaults. This itself ensures my "history" remained excellent, as I never missed or defaulted on any borrowing. That doesn't mean they were affordable, or that it was responsible of the lenders to provide me with extortionate interest loans. If they had bothered to complete the required due-diligence and had acted responsibly, the number of creditors visible both during that short period on my credit file, and on my bank statements, no lender worth their salt would have awarded yet more credit.

So whilst I thank you for taking the time to respond, I don't appreciate your 4-second opinion of the situation. I have asked a valid question regarding whether they can or cannot be removed, you may not know the answer to this but I'll thank you to keep your negativity to yourself.

So not irresponsible lending then but irresponsible borrowing on your part. 

You’ve already said you could afford all the repayments etc. so there’s no irresponsible lending here at all as you were able to afford it. 

Hmmm! Affordable because I lived on beans on toast for a few months to make sure i didn't miss any payments! 
Personally, the fact that I went without everything else to ensure I met the required payments was the responsible thing for me to do. Rather that than miss/default on payments. Seemingly you'd prefer that I continued life as normal at the expense of missing payments and getting in a mess! Really!

[Deleted User]

Mortgageafterpdl said:

D3xt3r5L4b said:

Mortgageafterpdl said:

How rude! I had a small exceptional period in my life, triggered by depression, where for a small number of months I spent - and then borrowed - far more than I could afford, or had coming in. Fortunately I managed to pay each of these off without issues, late payments or defaults. This itself ensures my "history" remained excellent, as I never missed or defaulted on any borrowing. That doesn't mean they were affordable, or that it was responsible of the lenders to provide me with extortionate interest loans. If they had bothered to complete the required due-diligence and had acted responsibly, the number of creditors visible both during that short period on my credit file, and on my bank statements, no lender worth their salt would have awarded yet more credit.

So whilst I thank you for taking the time to respond, I don't appreciate your 4-second opinion of the situation. I have asked a valid question regarding whether they can or cannot be removed, you may not know the answer to this but I'll thank you to keep your negativity to yourself.

So not irresponsible lending then but irresponsible borrowing on your part. 

You’ve already said you could afford all the repayments etc. so there’s no irresponsible lending here at all as you were able to afford it. 

Hmmm! Affordable because I lived on beans on toast for a few months to make sure i didn't miss any payments! 
Personally, the fact that I went without everything else to ensure I met the required payments was the responsible thing for me to do. Rather that than miss/default on payments. Seemingly you'd prefer that I continued life as normal at the expense of missing payments and getting in a mess! Really!

No one is saying that. You have made some decisions in the past which you felt you needed to do, and that is fine. What you can't expect is those decisions to just be forgotten about because it now suits you. That's not how credit records work. 
If everyone did that, there would be no point in having a history because everyone would manipulate the situation to suit themselves. 
Your credit record is a true reflection of how you manage your money and that is all it is. As others have said, find a good broker, but you won't be able to have your file altered. If you attempt to, based on what you have posted here, that would be fraud. Good luck getting a mortgage with a fraud marker.