Hi All
I am hoping I have posted this in the appropriate place.
Currently me and my girlfriend are looking to get a mortgage,
unfortunately around 2009 I made a few mistakes with my credit.
Since then I have avoided all forms of lending bar the usual things
- Phone Contract, small overdraft on my current account.
We have managed together to save the 20% deposit required.
I have opened up accounts with Equifax, Experian and Noodle.
They all seem clear bar for two things.
Electoral Roll (Sorting that out) and one default to Mackenzie Hall.
I took out a pay day loan with Quick Quid for 200 pounds and paid back 350 pounds at the end of 2009
the next month of the Default arising.
I didn't get a notification from Quick Quid of the detail however I did get an email from Mackenzie hall that reads like this:
Reference: *****
Owner of Account: Mackenzie Hall Debt Purchase Ltd
Original Creditor : Quick Quid
Balance: 324.50
FIXED-SUM LOAN AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 - DEFAULT.
Your Loan Agreement with Original Creditor 'Quick Quid' has defaulted.
Quick Quid have notified the relevant Credit Reference Agencies and a 'Default Status' has been applied to your Credit Rating.
Mackenzie Hall Ltd will now apply for a County Court Judgment on behalf of Mackenzie Hall Debt Purchase Ltd
unless the account is paid in full within the next 72 hours.
The proceedings will include additional claims for legal costs which will increase the amount you are required to pay.
In the event that judgement is obtained against you it will be entered in a public register, the Register of Judgements, Orders and Fines. The details will then be passed to credit reference agencies who will supply them to credit granters and others seeking information on your financial standing. This may make it even more difficult for you to obtain credit.
To prevent this happening contact *****, on 01563 556 544.
Do I have any power to get this default removed?
At the time I was 19 and very naive
- looking for any way to prevent my mistakes from paying a large amount of interest or worse not getting a mortgage.
Any advice is greatly appreciated.
Thanks