Thank you so much for the advise guys..Im going to go away and do the SARs for the two credit card defaults and take it from there..I may have to call on your wisdom again once the SAR has been replied to.
Once again thank you all...ja
I see,,so really not to much can be done with that one i take it..Whos decision would it be to remove the default if infact it could be..lowlifes or the original comms company?
Many thanks..j
Thank you again Dx a great help.
Where do i start in writing to them?..Sorry to sound quite so helpless with it all but would like to approach this in the right way from the get go..
Many thanks ,,ja
Thanks for the reply Dx. Not sure i understand what you mean about penalty charges?.
Is there much chance appealing to there better nature once paid in full .requesting default removal as the amount is small and ive learnt by my mistakes?
Once again thank you for the advise..ja
Morning.
Im new to the site and looking for help.
I took a look at my credit file found that
i have 4 defaults which you can see below.
They are for small amounts and i want to start the task of trying to get them removed by paying them off in full one at a time.
Could someone please advise if i stand much of a chance with this? And as to where ill maybe start.
Had my head buried in the sand and want to get back on track,
thanks in advance.
The close motor finance default was for last payment on a 48 month deal,
thought it was finished and canceled DD..gutting!!
vanquis credit card
Date of Birth Terms0 @ £ 0 (Monthly)
StatusDefaulted
Current Balance£ 337
Start Balance£ 0
Credit Limit£ 0
Default / Delinquent Balance£ 427
Start Date18/05/2011
Date Updated13/11/2012
Date Last Delinquent
Date Satisfied
Default Date30/04/2012
Payment Amount
Previous Statement
Balance Cash Advance
Amount
Number of Cash Advances During Month
Credit Limit
Change Minimum Payment?'''
Communications Supplier from Lowell Portfolio 1 Ltd (I);;
Name
Date of Birth Terms
0 @ £ 0 (Monthly)
StatusDefaulted
Current Balance£ 317
Start Balance£ 0
Credit Limit£ 0
Default / Delinquent Balance£ 270
Start Date08/05/2009
Date Updated26/03/2012
Date Last Delinquent
Date Satisfied
Default Date04/06/2010
Hire Purchase from Close Motor Finance Limited (I)
Name
Date of Birth
Terms48 @ £ 0 (Monthly
)StatusDefaulted
Current Balance£ 193
Start Balance£ 0
Credit Limit£ 0
Default / Delinquent Balance£ 193
Start Date02/12/2004
Date Updated04/03/2009
Date Last Delinquent
Date Satisfied
Default Date24/02/2009
Credit Card from Capital One (Europe) Plc (I)
Date of Birth
Terms0 @ £ 0 (Monthly)
StatusDefaulted
Current Balance£ 643
Start Balance£ 0
Credit Limit£ 200
Default / Delinquent Balance£ 643
Start Date09/09/2004
Date Updated06/04/2010
Date Last Delinquent
Date Satisfied
Default Date22/03/2010
Payment Amount£ 0
Previous Statement Balance£ 590
Cash Advance Amount£ 0
Number of Cash Advances During Month0
Credit Limit ChangeNo Change
Minimum Payment?
Promotional Rate;No