Hi, I'm posting to see if anyone can give me any advice regarding payday loans which were taken out by my former boyfriend to cover his gambling debts. I didn't know at the time but we were living together and had been together for over ten years, I completely trusted him and he knew my bank details and pin code (foolish of me, I know!). He took a number of payday loans out in my name including from wonga and payday express. After finding out we split up but, as he was already going through some difficulty, I didn't report it as fraud or anything I was just planning to repay it and he would then repay it back to me. Anyways, I wasn't able to repay it and payday express or wonga, I'm not sure which one issued a default on my credit file on the 13th November 2013. I'm now really struggling to get a mortgage because of this and was wondering if I could go about getting this removed somehow. Also, I have no idea how my ex was able to get this loan in my name as, at the time, I wasn't working (stay at home mum) and was receiving £20 child benefit and £30 child tax credit per week! Both loans where around £200 each. I don't recall getting any correspondence from wonga except for the initial letters from them and the same with payday express. My credit report on noodle is showing the default was made by Portfolio Recovery Associates UK Ltd and also one from Arvato Financial Solutions Ltd. Any advice as to how to go about getting these removed from my credit file would be much appreciated xx

Hi All, So I bit the bullet... Got two defaults... 1 x Lowell's was Orange 1 year left before disappears into the ether, two figure value - probably was a final charge after termination of contract - notice given to terminate on month 23 to end on month 24 (end of). They stated could only terminate from month 24 - I said err no - its a two year contract - I don't wish to continue etc - PAN given (retained old number on new contract - also with EE) Other is RBS - 4 figure with a 1 and 5 at front. OD was limited to 500. About 18 months left to run before disappear. I changed banks to my current due to circumstances - NOA ignored - bad times for me back then (health / work / woman). Charges on Charges on Charges probably make up the bulk. Don't want to wake the hornets. Will do so if they decide to chase with SAR and then will reclaim. Anyway score is trashed 1/5 - what difference will adding the ER information gain me ? Rest of it is healthy, credit cards balances (I pay in full every month and use card every month for spending - just had another increase this year - the third) Water is reported now (WTF!) Bank accounts are shown as zero o/s on monthly updates. Just wanted to know if getting the ER info from the LA will make a difference - been on it for 5 years at current - not recorded. Cheers N

Hi, Am I right in thinking that, before an OC can sell the debt on, they have to default me first? If so, am I also right in thinking that the DCA who bought the debt cannot, therefore, default me again? I have 3 defaults by the DCA which were about 12 months after the OC defaulted me. The original defaults should have disappeared by now , but the DCA defaults are still on for another year.

Hi, I am new here but been reading a lot of helpful info and thought id post my own question for clarification. I have a default on my account ... (as is the way when you are young and stupid ) anyway it is about to close and drop off my file this month and next. I read here that accounts drop off after the last listed default. There is one account i have default registered 2008 - first one but there is a debt collectors agency registering a default somehow ... last year ... i am viewing this via a credit report that gives the monthly status of the account and goes back a number of years. I have not tampered with this account i have not given reason for them to move things or the clock to start ticking again .. My question is . . that default they registered last year .. . does it start the clock again on it or does it go off the original .. thanks in advance for reading my blurb and apologies if this isn't in the right forum . .. kinda lost on navigation.

Hi, I have a debt with Lloyds, due to a personal loan when I was employed by them. Of course there was PPI on there, as an employee it was required of me in order to get the loan. long story short, I had to resign from my job with them due to moving hundreds of miles into a womens refuge to escape domestic violence. They refused my ppi claim as I had resigned and wouldn't help me transfer my job to another branch. I tried to get them to agree to reduced payments, while I got sorted; again refused. As I had so much else going on, they really were the least of my worries and I ignored them. Right or wrong, I know better now and wouldn't dream of doing it again. The debt became statute barred in October 13, I've found this out through the CAB. I've been getting letters from Lowells, but having read advice on here, ignored them. My credit file was clean, the default had dropped off. I was accepted for a 'proper' bank account, and had to pass a credit check for my current job so I know it was fine. Now all of a sudden, Lowells have placed defaults on my credit file for every month from October 13, which is when I'm assuming they bought the debt. They're saying last payment was made 2009, it wasn't, it was June 2007. I obviously can't ignore them any longer, they're also threatening to take me to court, bless their cotton socks. What do I do now please? Thanks in advance!

Hi guys, I hope this find's somebody well and they can assist me in some way shape or form. I have never really given my credit much of a thought but never had the intention of just ignoring debts. I had a slight issue with Wonga over the past few years ending in around 2011-12 were i was borrowing roughly £1100 per month paying it back on pay-day and then re-borrowing. I ended up getting into a bit of a mess that i couldnt pay them back so i entered into the wonga repayment scheme after contacting them. I have done this twice now in past and now im pretty much completley debt free apart from a car finance that is up to date and will be paid off in a year. The main issue i am having is that i am refused credit for everything. I have 2 defaults against my name from wonga. Is is right that i have these defaults on my account even though i had never missed a payment with them and they were paid off in full? It seems slightly unfair that i am stuck with poor credit given i never missed a payment date. Is it something i can look into getting reversed if i contact xperian or wonga? I really want to improve my credit but im refused on everything even vanquis! even when i am earning over £34000 a year! Help

I like many on here have discovered over the last 3 months that MMF have put 2 "8" entries on my CRA file, but yesterday I received the notice of assignment letters from them confirming that they now owned the debt etc. So if they put the default entry on my CRA account months before they actually had the debt assigned to them does it make the "8" entry unlawful or is there some clever legal wording around this ?

Hi, I'm new to this and hope I have posted in the correct place I need some advice regarding some old debts I have if anyone can advise me please. Recently I had a break down in a long term relationship and now have got myself in trouble with several recent debts as I've been left a single father who has sole custody of my child. I am only able to work part time and have been in contact with pay plan to try and get my new debts sorted. I was silly in my younger years and managed to obtain 2 defaults on my credit file. I have 1 debt with capital one Balance £371 Default balance £506 Account start date 02/05/2008 Default date 27/11/2009. Credit limit £200 and another with Cabot financial services Opening balance £548 Default balance £548 todays balance £657 account start date 22/09/2008 Default date 31/03/2010 Original lender Vanquish credit card limit £250 I have not spoken to any of the default creditors in the last 4/5 years admitting to no debt. Pay plan have advised me that I should add these debts into a payment plan however I'm not so sure this is a wise idea as I will be admitting the debt and the 6 years can restart as they are close to being statue barred. What should I do regarding these debts ? Cabot have added fees on there for which I have no idea what for and also capital one. I receive no letters from capital one regarding this debt and receive letters threatening letters from Cabot. I'm not looking for a way out but don't know if it's wise adding them into a payment plan at this stage the debts are so old. Thanks for your time

I might be fixing this, but I'd appreciate some feedback if possible. Background: In August 2008 I entered into a Trust Deed. Because some of the debts were with Abbey National (as was) I had to get myself a new bank for a current account. I went to Nationwide as they appeared to have a good reputation; well there's a new lesson every day I suppose. After a year of struggling along with two basic bank accounts (one was joint with my wife which we used to manage our household bills) and trying to get by using cash and a prepaid debit card only it was time to change and Barclays offered me a debit card with their basic account. After getting all my direct debits changed over I transferred the remaining few pence and asked Nationwide to close the accounts as they now each had balances of £0. Nationwide wrote back refusing to do so saying there were pending charges - two unpaid DDs from the previous month (I think) on each account (charges of £30 a time) which had not yet been applied. I then began the usual process of disputing the validity of the charges using guidance from this site. I even used the tack of asking them how their charges were calculated as they claimed they were based on cost and not punitive - the irony of that was that they sent a letter saying that they were "open and transparent about charges" but wouldn't provide the cost detail as it was "commercially sensitive". Such charges on my new account with Barclays would have been £8. every month during this dispute period Nationwide put a further £30 unauthorised overdraft charge, and interest on to the -ve balance. This dragged on until I gave them an ultimatum and offered them £16 (based on paying the level of Barclays charge for the original two unpaid DDs) without accepting the liability for them. They accepted this and marked my credit file with a partial settlement from March 2011, preceded by over a year of sustained arrears markers. I have recently read the ICO's publication: “Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies” which clearly states that I wrote to Nationwide just the other day to request that they remove the defaults as the balance they showed was indeed only made up of charges and interest on those charges. Is this right?

I have three defaults that are coming up for 6 yrs old ( 2 this month, 1 on Oct) On my credit history from noddle they show as default every month from then till now, with the balance decreasing until 2011 when I saw the ligh t / snapped and refused to pay anymore. Do those defaults automatically disapear after 6 yrs, or do I have to request Noddle to remove them ? There has been a flurry of activity on one this week when after being stayed for almost 2 yrs I've recieved a letter from Apex notifying that the debt has been transfered to them. As the account is in dispute ( if got as far as Weighmans going to a County Court and then offerening no evidence) I presume that they shoudn't have been sold this "Debt"? Thanks in advance for any answers and thanks for the advice I have spent the last X yrs absorbing.

Sorry about the length of this: Having recently requested a copy of my credit report from Experian, I noticed there are 2 defaulted accounts for British Gas – one for electric, one for gas. • This was my parents’ property – they had moved out and gone their separate ways and I stayed there until the property was sold in October 2008. • British Gas started the account in my name from 03/07/2008. • I didn't call British Gas to say that I was the new account holder – I don’t know who did but they got my details and the meter readings from someone. • I didn't make any payments on the account whilst living at the property but they say I registered for online billing in August 2008 – I don’t remember doing this. • I moved from the property at the end of September 2008 and they say that meter readings were given to them once again – certainly not by me! • I had no forwarding address when I left the property as I didn't have anywhere to live. • I (very stupidly ) made two payments of £20.00 on 06/03/2009 (don’t know why). • British Gas defaulted the accounts on 06/06/2009 – Electric £50.00, Gas £53.00. Firstly, I sent a letter stating the breach of ICO guidelines on placing defaults after such a long period of time and asking for the defaults to be removed as I hadn't made any payment on the accounts, but they came back saying that I paid £20.00 on each account in March 2009. I hadn't remembered this but on checking my bank statements, I can see now that I did. I then sent a letter explaining my financial difficulties in 2008 and asking, as a gesture of goodwill and because the amounts are so small, would they remove the defaults, but again they said no. I even offered to pay the outstanding balances. I sent a SAR to them, which I've just received back. There are statements dated 07/08/2008 and 15/10/2008 for the electric and gas accounts but no other correspondence from them after the October statements. There are no letters chasing the outstanding balance or saying that they will default the accounts if I don’t make a payment, and I certainly didn't receive anything via email. I didn't actually speak with them to set up the accounts, and from what I can remember they didn't send me any information stating that they report on credit files. If I’d have known this, I would've made different decisions at the time. Would going down the DPA route achieve anything – stating that I didn't know they were acting as data controller and that I hadn't given my consent for them to report on my credit file? Also, considering I hadn't made a payment from the start, July 2008 to March 2009, why did they not default the account sooner? Is there anything else I can do to try and get these defaults removed or will I just have to put up with them until next June? Thanks in advance

I'm trying to get a bit of clarification with regards to mobile phone companies and defaults. I have two defaults on my credit file with equifax for 02 and Three I asked for copies of the default notices and got the response that they don't have to supply them as they are not covered by the CCA. If they aren't covered by the CCA, how can they enforce a default for 6 years on my credit files (which is regulated by the CCA) and not have to remove it when they full balance has been paid? Thanks

So after a routine check of my credit file this morning I found 2 new entries from motor mile finance, extremely surprised as I have been regularly checking my credit file for the last 6 years. They are supposedly 2 defaults from 2008, I have no idea who this company is or have I ever received any correspondence from them. I cleared all my debt in 2009 and worked on rebuilding my credit, I got a mortgage in 2012 and now have a good credit score. I contacted Experian to query this and await a response. Both entries are listed on the same day in 2008 but I have absolutely no idea what they are for or have ever heard of this company. What do I do? Experian say the defaults will be removed next month but where does this leave me?

Hi all just needed some advice I want to get a mortgage but I have the following things showing on my credit file. I originally defaulted an account back in 2010 for T-mobile for the sum of £1619.00, Just don't ask how that bill came about:???:. The debt then got bought by sigma red last year in July and they took me to county court and put a CCJ on my credit file for the amount of £606.00. My ex partner last year took out a peachy loan without me knowing she did it online the cheeky cow. I never knew about this but now I have defaulted for the amount of £249. I need advice on how to try and repair my file from this. I have two O2 mobile contracts which I've never had a late payment on. I have 4 credit cards, 2 of which I owe nothing on and the other ones I owe about £1500 between them. I can pay these off if I wished but just means it will come out of the house deposit. I have 415 points on equifax. I need to get it to 900 any advice please????

I am currently in the process of trying to clear up my credit rating/file after a disastrous 10 year relationship and bad money management during that time. Its coming up to 9 years that I have been credit/debt free or so I thought, the ex of said 10 year relationship fe lt the need to open up various credit accounts in my name, from a credit card with Capital One, to 2 phone contracts (orange and T-Mobile), a few catalogues (SimplyBe (no idea why he did that) &Next) even the odd book club etc at both the family home (before & after I moved out) and my last address (he no longer knows where I live) all without my knowledge. He since spiralled out of control with his debt and went bankrupt, but left me it seems with 6 defaults on my credit rating that I am not the owner of! One will end in December, another March 2015 and the 4 remaining in 2017 I have already managed to get Capital One to remove one default noted against my account and I now have a CIFAS logged also. to the current issue at hand, on the 24th May 2014 I received a letter from Cabot Financial, which consisted of 3 pages the first was dated 12th May 2014 the first page holds lots of information from Cabot's reference, original lender, that account number, the amount I currently owe, any arrears, minimum payment, credit limited and the date the account was opened, the second page is a statement of account, which is dated the 7th May and the 3rd is a blank page and a payment slip. I am a little confused as the account in question was opened in 1997 belonging to Next (quiet probably my original account I opened when I was 18 so nothing to do with above potential fraud) its states that I currently owe £0 the account is in £0 arrears, £0 minimum payment and a £0 credit limit. Then it goes on to state that the letter is my agreement with Cabot for the period covering 1st November 2013 until 30th April 2014 and I need to make minimum payments to avoid my account going into arrears? Ive checked my credit file this morning and I do have a default on my credit file with Cabot which dated back to 2005 and has a default date of 2008 with a balance of £153. When I originally checked my file it was on my list as potential fraud by my ex as I don't remember opening anything in 2005. I am at a loss of what to do next so any help would be gratefully received!

Hi All, I have recently sent a complaint to the FOS about late entry defaults on my credit file. I sent a SAR request which shows Default Notices were sent out for both account as follows Lloyds Loan 08/12/2008 Default on CRA 16/06/2010 Lloyds CC 17/09/2010 Default on CRA 29/11/2010 I was on a DMP with Lloyds since late 2008 and since that date never broken the agreement. Something doesn't seem right to me that they have waited so long to file the defaults. Any opinions? Spoke to the adjudicator at FOS and she seemed to be sitting on the fence although it is still under investigation. Also the SAR has shown quite a lot of excessive charges for returned DD etc. It also shows charges for been over my OD limit,when on some occasions it was the charges that sent me over the OD limit. Can I claim all this back?

Hi All, I am creating separate threads per debt (continuing from this thread: Will defaults be reissued if I am only making £1 token payments?) (to figure out how I can get defaults removed. OC (DCA) Amount Owing: Barclays OD (Credit Solutions Limited) £11,669 Last Payment: £2 on 6 May 2014 to Credit Solutions Limited as they are the ones chasing me for this debt, I last sent them acknowledgement in Feb 2014 to setup token payments. Per Noddle: Lender – Barclays Bank Plc Account Type – Current Account (Overdraft) Status – Default Account Start Date – (not sure and it’s not on report either but probably around 2010) Account Default Date – 16 Sep 2012 As this is a Current Account, can I start with CCA/SAR? not what other route do I follow please? How can I calculate Penalty Charges and PPI? Thx!

Hi there I have a couple of defaulted debts (unsecured loans) showing on my credit file. Both accounts are shown as defaulting in mid 2009 and since then I have made regular, agreed payments against both of them up until late 2013. At this point I requested cca's from both DCA's but received no response from either. However, rather than cancelling either of the direct debits I simply reduced them to 1p per month, which is where we are at now. I haven't heard from either of the DCA's since doing this by the way.. I understand that the Statute Barred trigger is 6 years from the most recent payment I make against the account (providing I don't communicate with the DCA/acknowledge liability etc), but what I want to know is will these accounts disappear from my credit file 6 years after the default date, even though the SB date will not have been reached? Thanks in advance..

Hi guys, I have been silent reader of the forum and I must say that the shared information/experiences is very helpful indeed. I wonder if anyone could help me with my situation please. I requested my Credit File from Equifax and found 3 default accounts in it which has latterly messed up my rating sadly. I was into financial mess during 2012 and on the top my father’s ill health forced me to abruptly travel to my home country in July 2012 due to which I could not keep track of my finances. 1. Lowell Portfolio Ltd Current Balance: £72, Default/Delinquent Balance: £120 Start Date:01/11/2010, Default Date: 13/04/2012, Date Updated 23/01/2014 Remarks: I have got no clue that what is this default about. This default is totally unrecognized to me and I have never received any sort of letter from this company. What shouldI do in removing this default or to acknowledge them about it? 2. Virgin Media Group Current Balance: £61, Default/Delinquent Balance: £61 Start Date:26/02/2011, Default Date: 24/08/2012, Date Updated 27/09/2012 Remarks: I have used Virgin Media in the past and before leaving the country I rang them amid April 2012 to request the final bill due to 2 month early termination of the contract. But to date I didn’t receive nothing in papers/post from them.Further, I do not have any signed agreement with them as I renewed the contracton phone which expired on my previous address. Regardless, I am happy to pay the amount as it’s not a lot provided that if I could somehow remove default from my file. 3. Lloyds Bank Current Balance: £274, Default/Delinquent Balance: £274 Start Date:06/01/2006, Default Date: 10/05/2012, Date Updated 25/06/2012 Remarks: This is genuine default sadly, and the balance is Overdraft amount which I failed torepay. I am in position of repaying the amount in full in one go but only if I manage to remove the default. Again, as I left the country and my previous address in July, I did not receive any notice from them otherwise I would havehad split the amount to avoid the default. Could anyone kindly assist me a way out in removing these defaults from my file? Cheers.

Hi, I've just been looking at my Experian account. I had two defaulted accounts from back in July 2008. However, one is showing as settled (in July 2013) and the other isn't. If the 6 year rule applies then surely the one showing as settled back in 2013 was settled too early and should be settled in 2014? They defaulted within days of each other - why would one be settled and the other not?

]PLEASE HELP ive tried to be a thorough as i can so theres no confusion. My husband had been with orange for about 7 years and had always paid his bills on time and in full by direct debit. A few years ago he got fixed on the idea of an i-phone, so he signed up for a 2 year contract for it in store. Again all bills were paid in full. His contract ended and it continued to roll on while he decided what he would have and do next. The bill continued to be paid as always. In around January/ February time my husband finally decided to go under a new contract, having paid 36-40 every month for a contract where my husband was only ever using about 60 minutes out of 500 each month and very little sms messages, We decided that he needed to have a lower contract as we were paying for something he simply didn't need or use. This time we did so online. We chose an 18 month contract at £26 a month with HTC desire s. The phone arrived and the sim was placed in it but with in two days the phone was collected again and replaced with a new one as it was not connecting properly and so failed to work. The problem continued with the next one for a while also. we were continuously on the phone trying to rectify the issue, when finally we received our contract details. They were wrong. Despite sending out the correct phone they then sent us contract details for another iphone contract at £35 for 2 years again and this was the contract the sim card was under. We contacted orange and we were repeatedly passed from person to person, we rarely got phone calls back when we were told they would. The phone bill was still going out at the £35. We were offered the contract reduced to 18 months then we were offered it at £30 or so for the two years instead. they were trying to pretend that they were giving us great deals, extra minutes ect but it was things we did not need let alone require or what we signed up for. the direct debit was cancelled, untill the problem was rectified. Eventually this happened and the moment I had some spare 5 mins or so I telephoned them and asked for details to set up my online banking so they could be paid again, by the time they sorted the problem we were two months in arrears. However i was still happy to set up the payments and informed them that i could not budget that same week for an extra £52 on top of the current bill due. She understood (or so I thought) and that I was able to pay extra each month to clear off the outstanding. Everything with the bank was in the process of being set up, when I received a call from my husbands work phone saying his mobile wouldn't work. They had cut him off that day despite my having made contact. Once again I was on the phone to orange but this time I was being put through to the arrears department. They refused point blank to turn the phone back on untill the full £84 pound was paid (contract plus late payment fee) I explained I could not afford that and the recent phone call id made. but they were determined and refused to turn his line on, as well as this they continued to bill him for the months where his phone was not on so he could not use it. they expected us to pay off the full balance just like that despite the problems wed had and the severe lack of customer service, even if i managed to save the 80 or so pound to pay them by the time I could it would have been 106 and so on. eventually having gotten no where with them the hubby got a pay as you go sim as he could not be without a phone should something happen to the children. We never received contact again.then about 6 months ago when we signed up for equilfax (as we are trying to sort out our credit files having suffered greatly with finances the last two years). Unfortunately we discovered orange had defaulted us for the 106.62 pence. we were never made aware of this and had not received any correspondence. We were disgusted, my husband was always a loyal customer and we tried to rectify the problems from the start, but they would have none of it. I did some research and we wrote to orange explaining the situation and that we were never made aware of it, and also the financial difficulties we had faced. We stated that we were getting on track and things were being corrected and want to pay that balance plus a little extra for a notice to delete. The reply we got was a simple this is your file for a reason and the answer was no and we still owed the money. Since then we've received various letters from companies stating they are collecting almost £500 on behalf of orange which is obsurd, its now settled to none other then lowell who want 540.02. not only this but weve been hit twice. not only did lowell apparently buy the debt but rather then take it over on our credirt file so it still stays as oine default, they have added another. so we now have a default for 106 from orange and a default for 540 from lowell for the exact same thing. the hubbys file is sqeeky clean except for these however we are now unable to obtain a mortgage or any other credit. Ive tried to contact orange by telephone however they have actually blocked the phone it would appear as it just states thank you for calling and were sorry we cant not take your call. However by simply dialling 141 first I can go through to the automated line but then no further as there customer service lines are far from managed properly. Im at my wits end juggling three children under 5 while try to correct this error and getting nowhere, any help or info would be greatly appreciated. we have since gone through equilfax as well to try and solve it and lowell investigated agreed that orange made a mistake at the beginning but they sorted it before cutting the line off lowell have then come back and offered a discounted rate however they have made no effort or even mention the fact that there are twoi defaults for the same thing double jeapardy, im sure this is illegal as well as not recieving an idication from orange in the first place saying they were placing a default and selling it on ive attached copy of equilfax report showing the two defaults thank you for your time

Hi, i have paid off my debts with natwest. tried to apply for a job. got through the interview then got turned down because of defaults. looked at experian. i have 2 registered. i was ill during the repayment and relied upon a family member to go to the bank and deposit the money. she says she must have forgotten to go on time (this was over a year ago now). the employer has agreed to hire me so long as i remove these defaults by the end of the month. how do i go about doing this as quickly as possible. i really want this job

Hi, I hope I have posted this in the rigjt place. I wonder if anyone can help me. I was served a default notice by Nationwide in December of 2007 for arrears on a personal loan account. I eventually managed to bring the account up to date but in 2011 defaulted again and was served a default notice in July 2013. I have read on other threads that an account can not be served with more than one default notice. Is this correct ? if the account was brought up to date then defaulted again? I have the paperwork for both defaults which state different amounts being owed but for the same account. Also if it is correct that I should only have one default then what should I do to get this changed on my credit file? I am working hard to pay off the amount still owed and also on another couple of debts. I have 3 defaults in total on my CF but the other 2 are 3 years old so I am half way to cleaning my file. Another question that I have is that it will probably take me another 3 years to clear the debt, will the monthly DF on my credit file mean that even in 3 years my when the DF fall off I will still be in a bad position as the debt will only just be paid? Sorry for the multiple questions. Any help would be very much appreciated

Hi guys and girls my names Sunny. Sorry to bore you with my life story. I desperately need a CCJ removed and 2 defaults removed. CCJ was received last year I didn't go to the hearing or respond personal reasons. I also had a default last year where I didn't respond personal reasons again. I also had a default in 2011. Although I have about four credit cards and two mobile phone accounts which have been ran excellently I know I can't get a mortgage because of these above debts showing on my credit file. I desperately want to buy a house. I understand I can have the CCJ set aside and I understand the procedure where if the CCJ is set aside then it will be removed pending a hearing and if the hearing is successful it will be removed permanently. I need some tips for this I haven't applied yet but I have the form n244 so I need to know the best way to get it set aside than at the hearing get it removed forever. Second of all I have two defaults I understand these are more complicate but I guess its worth a try to get them removed and again if you good folks have any good advice on how to go about it. Please don't judge me on how I got myself onto this situation because I just don't know but if I could turn back hands of time for the petty amounts I would not have let my credit report haunt me. I am in a better financial situation now but at one time it felt like I was on the poverty line. Please if anyone can help me please feel free to ask me further questions or please do not hesitate to PM me. Many thanks in advance.

I have just signed into Equifax having decided to apply for a mortgage having last been a member a year ago. I have found that a default has been added to my account January 1st 2012, Mail Order from MacKenzie Hall. I'm not sure who they are but guessing that they are debt collectors but have no idea why this has been added now. When I was out of work, I did have a number of accounts that defaulted but I have had no failed payments since returning to work 7 years ago. I have an idea that it may be Studio Catalogue, however, I know that this was also more than six years ago. Are they able to add the default in this way? I've struggled to get my credit back on track and now I'm ready to move forward, this has happened and it's really bringing me down. Any help would be muchly appreciated!!