Default query

Timeslikethese

Hi all, 

I am new here. I have never had a default issued before and not sure of the best place to look for guidance. 

Can a default be issued 24 days from the date of a missed car insurance payment? The guidance suggests 3-6 months but I'm wondering if that is purely guidance rather than fixed. I 

I accept my error in missing the payment. I am just wondering if this is fixable. Thank you. 

[Deleted User]

Is it an actual default on your files, or have you just received a default notice?  It would be very unlikely for an actual default to be recorded within 24 days.

Is the policy still in place or has it been cancelled?

kaMelo

Deleted_User said:

Is it an actual default on your files, or have you just received a default notice?  It would be very unlikely for an actual default to be recorded within 24 days.

Is the policy still in place or has it been cancelled?

That is a far more important question than worrying about any potential default.
If at all possible try to ensure the policy is not cancelled by the insurance company.

Timeslikethese

Hello, 

Yes this was also cancelled and I've had to find an alternative insurer. I took public transport to/from family so I wasn't driving uninsured.

All happened within 24 days. I'm shocked but accepting of error. I just wondered if I can challenge the default if nothing else.

sourcrates

Are you sure its not a "default sum" you owe ?

Car insurance payments are not (usually) recorded on your credit file.

MovingForwards

I hope you've declared the cancelled policy to your new insurer.