Can i get a default removed??? ruined credit at the hands of a family member.

[Kita_j]

Hi Everyone, ill try and keep this

Please if anyone could answer or

Edited November 4, 2012 by Kita_j

[BRIGADIER2JCS]

Hi lets look at the obstacles in the way of getting this removed.

1. How did afamily member aquire the pin for the card (debit?)

2. Why was the card not under you control?

3. Did you inform the bank in writting of a change of address, do you have proof of this?

Ok from there when did this misuse of the card take place?

Was the fraudulent use of the card reported to the police?

If a new card was issued was it with the same pin as the original card?

 

There was no point in sending a SAR to they would hold data only from when they aquired the debt.

Who are you waiting for a SAR response now, they have 40 days from the day they receive the request to reply?

 

As to the removal of a default entry the CRAs cannot remove or amend file entries without the leave of the company that place the default.

 

Lloyds have stated that they have answered the SAR, did you confirm the address to which it was sent?

 

Even if you pay the debt the entry will be marked satisfied and will remain for the balance of the 6 year period.

 

You have I'm afraid fallen into the trap of telephone contact instead of keeping this all in writting.

 

Have you told LLoyds that the debit card was used allegedly used fraudulently?

Lloyds will query if you claim fraud why you did not check on the accounts status when you found the default, if you had done so this matter would have been concluded more easily and quickly.

The debt can be passed on disputed or not.

 

Only Lloyds can remove the default and you will need to show good reason and proof of fradulent activity to get the default removed.

 

You need to sort correspondence if any into a logical order,.