Any Advice gratefully received re. default removal

[rustydog]

Well, is this a record??????!!!!!!!!!!!!!!!

Halifax rang husband this afternoon to let him know they are removing the default:D

So will wait for written confirmation and check credit report then return to letter writing to try to get some of them charges back!!!

 

Thank you everyone! Will update with progress.

[Darth Surly]

Well, is this a record??????!!!!!!!!!!!!!!!

Halifax rang husband this afternoon to let him know they are removing the default:D

So will wait for written confirmation and check credit report then return to letter writing to try to get some of them charges back!!!

 

Thank you everyone! Will update with progress.

 

Most excellent news...

 

Glad to hear of more success stories...

[Lizzy]

Congratulations !!!!

Told you it was a fab letter...........

You beat my record 9 days (but they were gone by then) who gives a damm. Whoopeeeee.

Give it about a week and check your file online. I know Equifax charge a lot but its worth it to know then and there.

Get down to the estate agents or do you think you might still be in with a chance of the house you lost ????? I do hope so.

I feel so pleased for you. Thats how I realised I had mine, trying to get a mortgage.

PS make sure Halicrap put it in writing for you.

Hope Surlybonds reads this

[rustydog]

Hi Lizzy

Well, the offer is still accepted on the house so fingers crossed, we're still hoping to get that one! Yippee!! But I keep telling myself not to get too carried away until I get the letter and check the file!

 

If it hadn't been for this site, I don't think it would ever have been removed!!!

[Lizzy]

 

If it hadn't been for this site, I don't think it would ever have been removed!!!

 

You MAY have managed it because it was not your fault. They are so good at fobbing off (as you know) it may have taken months or you might have given up as you didn't really know your rights. They could have blamed you to the bitter end.

 

THAT LETTER scared the pants off them..... as it did to Birmingham Midshires(same group). I just know your letter will say as a gesture of goodwill because they will be stuffed otherwise. You could sue for all the pain/trouble/heartache/ and extra money you have spent on renting. But they won't admit a thing.

 

Now your not as stressed pop over to the Bear Garden some fun going on in there between letter writing........especially about this site being addictive. Iv'e no idea what they mean

[Lizzy]

Most excellent news...

 

Glad to hear of more success stories...

 

 

I thought it was you

I was just surprised by the cloak. I know now reading the posts

[Tobes]

oooh that's so cool...well done

[snootycow]

Well, is this a record??????!!!!!!!!!!!!!!!

Halifax rang husband this afternoon to let him know they are removing the default:D

quote]

 

Congrats Rusty! Did you send the letter as per the template or did you make any changes to it as i was quite confused by it when i read the amendments SB made to it in the Default Hell thread. Call me thick but for some reason i just didn't get it, maybe i read it wrong the first time?

[rustydog]

[quote=snootycow

Congrats Rusty! Did you send the letter as per the template or did you make any changes to it as i was quite confused by it when i read the amendments SB made to it in the Default Hell thread. Call me thick but for some reason i just didn't get it, maybe i read it wrong the first time?

 

I pretty much left it as it was except for the bit where it states 'However, the contract I originally signed with x only gave x permission to process data during the term of the contract.' I changed to '..the contract I may have signed...' etc as I had requested a copy of the original agreement but they hadn't provided it so didn't want to admit to signing anything if they didn't have proof that we had - if you see what I mean.

[snootycow]

I pretty much left it as it was except for the bit where it states 'However, the contract I originally signed with x only gave x permission to process data during the term of the contract.' I changed to '..the contract I may have signed...' etc as I had requested a copy of the original agreement but they hadn't provided it so didn't want to admit to signing anything if they didn't have proof that we had - if you see what I mean.

 

I see, the thing that confused me was the template letter was written as if it was to go to CRA's, but the version in the "Default Hell" thread was amended to go to the actual companies the contracts were with. So i didn't know if it was best to send to the companies or the CRA.:?

[rustydog]

I sent it to the company that had put the default on. CRA told us they wouldn't remove the default unless the company told them to.

[snootycow]

I see from your signature you are trying it with the Halicrap too. I'll watch with interest as it's them i want to go after (default and bank charges!)

[rustydog]

I see from your signature you are trying it with the Halicrap too. I'll watch with interest as it's them i want to go after (default and bank charges!)

 

Have updated signature - it was the Halifax!

Good Luck!

[Tobes]

Rusty - would you be able to give me the address you sent your request to?

[rustydog]

Hi Tobes

I sent it to;

 

Mr J Crosby

Chief Executive

Executive Office

Halifax Plc

Trinity Road

Halifax

HX1 2RG

 

but the address on the top of the return letter was;

Halifax Plc

Customer Relations

PO Box 548

Leeds

LS1 1WU

[Tobes]

Many thanks!

[Lizzy]

Have you had your letter yet Rustydog ???

[tamadus]

Good news for al that got defaults removed.

 

I have been reading the thread and I am a little confused. In my case several defaults have been issued and recorded all the accounts have charges I am reclaiming at present. I need to know if surly's letters for refusal are still relevent as effectively the accounts still exist even though defaults have been issued.

 

I have considered adding that I want them removed when I file on MCOL but I'm not sure this would be a good idea.

[rustydog]

Have you had your letter yet Rustydog ???

 

Yes, got it yesterday and it says, guess what? 'Gesture of Goodwill............'.

[SurlyBonds]

Yes, got it yesterday and it says, guess what? 'Gesture of Goodwill............'.

 

They are funny bu**ers....aren't they.

 

"Gesture of Goodwill".... my a**e!!

 

Ah well, it's a result...

 

that's all that counts... even if they don't have the balls to stand up and say sorry...

 

 

One day, one of these organisations might actually admit it...

 

but there again...

[rustydog]

Too true, Surly.

 

I would like to say that all of the time and effort you have put in to your template letters etc is truely appreciated by many people including myself! So, many thanks!

[Lizzy]

Good news for al that got defaults removed.

 

I have been reading the thread and I am a little confused. In my case several defaults have been issued and recorded all the accounts have charges I am reclaiming at present. I need to know if surly's letters for refusal are still relevent as effectively the accounts still exist even though defaults have been issued.

 

I have considered adding that I want them removed when I file on MCOL but I'm not sure this would be a good idea.

 

I think that you should have mentioned it earlier on in your claim. In the claming charges back section one of the letters, either the 1st or 2nd gives you the chance to leave that part in or take it out. If you feel that the default has been caused by the charges alone.

Post a new thread to see what the mods say about adding it in now.

 

Surly say's that a defaulted account is a closed account as the terms and conditions that you were bound by no longer apply. I'm not sure how many people have tried on an unsettled account but I don't see why you can't try.

 

I think someone with more knowledge needs to advise you on wether to add it to your MCOL or go for it later as a seperate issue.

 

Lizzy

[tamadus]

I think that you should have mentioned it earlier on in your claim. In the claming charges back section one of the letters, either the 1st or 2nd gives you the chance to leave that part in or take it out. If you feel that the default has been caused by the charges alone.

Post a new thread to see what the mods say about adding it in now.

 

Surly say's that a defaulted account is a closed account as the terms and conditions that you were bound by no longer apply. I'm not sure how many people have tried on an unsettled account but I don't see why you can't try.

 

I think someone with more knowledge needs to advise you on wether to add it to your MCOL or go for it later as a seperate issue.

 

Lizzy

 

On further reading it appears that a number of MCOL claims have been settled regarding the money side of things but no regard or decision has been given to the default side of it. Consequently I have left it off MCOL but have notifed Capital One today that I will be persuing it as a seperate issue. Lets get the money back first then go for the throat I have put a paragraph in all my prelim and LBA letters that I want any defaults or advers data removing.

[Lizzy]

On further reading it appears that a number of MCOL claims have been settled regarding the money side of things but no regard or decision has been given to the default side of it. Consequently I have left it off MCOL but have notifed Capital One today that I will be persuing it as a seperate issue. Lets get the money back first then go for the throat I have put a paragraph in all my prelim and LBA letters that I want any defaults or advers data removing.

 

Yes I have been reading that too, I have not seen any who have had it removed through MCOL (that does not mean it has not happened, i've just not seen it) probably because MCOL is just for money claims as it states.

 

Think I would be tempted to send the default removal letter to one of them to see what happens. but I am a bit odd like that.

 

Lizzy

[MARTIN3030]

Moneyclaim is for settling the moneyside only.

One way of doing this is to send a letter into the court after the claim is transferred stating that you reserve the right to address the default issues at a later stage.

 

Of course you could address both issues if done on an N1 but it can be said that a success with the money being refunded can build a bridge for other action.