Company agrees to remove Default Notices! (need a 2nd opinion on my letter please)

sho_me_da_money

Hi Guys,

Apologies in advance for the long message.

I recently acquired my credit report and was alarmed to learn that there are more than a few defaults registered against my name. Some have been following me since my last residence.

Two of the defaults were with a mobile phone company who i had 2 seperate accounts with (1 default per each account).

I contacted the advisor and explained him the situation. The advisor learned that both accounts were closed and written off without being settled. I proposed a deal - i would fully pay them what i owed (£400) subject to them removing my Default Notices.

Furthermore i requested it in writing on letter headed paper. The advisor reverted to the admin dept. and said "Yes" they are prepared to do so ONLY if i pay. He has asked me to check his draft letter below and amend where needed:

Dear Mr X,

Subsequent to our discussion over the phone regarding your previous o2 accounts, XXXXX AND XXXXX,
I am writing to confirm that once the balances on these accounts which are £ 308.18 and £65.16 respectively have been cleared, we will be more than happy to contact Equifax to amend your credit file.

We would require however that you provide us with a copy of your credit file which you can get from Equifax, with which we can then go ahead.

REGARDS

I felt that this letter was a little too vague for my liking and therefore ammended it as follows:

Dear Mr X,

Subsequent to our discussion over the phone regarding your previous o2 accounts, XXXXX AND XXXXX,
I am writing to confirm that once the balances on these accounts which are £ 308.18 and £65.16 respectively have been cleared, we will be more than happy to contact Equifax to amend your credit file.

To be more specific, we will ensure the following actions will be carried out:

• The Default Notice(s)/Registration(s) on both accounts will be removed
• The Status of both accounts will change from “Defaulted” to “Settled”
• The Current Balance on the report will appear as £0.00 (for both accounts)
• The Default/Delinquent Balance(s) on the report will be set to £0.00 (for both accounts)
• There will be no date in the “Defaulted Date” on the report (for both accounts)
• There will be no date in the “Date Last Delinquent” on the report (for both accounts)

We would require however that you provide us with a copy of your credit file which you can get from Equifax, with which we can then go ahead.

REGARDS

I would just like a second opinion please before i send this to the advisor - is there anything more i need to include or have i covered everything? Is there anywhere you guys feel i need to re-word?

Thank you for reading guys!