HELP default notice from OUSBA

[Bakerbaz04]

Hi all.

 

Hope this is in the right place.

 

After checking my credit report I have noticed a default which I have no recollection of receiving.

[Bakerbaz04]

Sorry, wrong button lol

 

Yeah so basically I took out credit from OUSBA ( the open university lender ) and got into a bit if bother and missed payments they apparently sent a DN which I have no recollection of receiving. Further to this I then received correspondence from a solicitor requesting payment of full debt , which I paid.

 

Once I found this default on my credit report I requested the default and termination notices from OUSBA and believe the DN to be invalid. It does not give 14 days from service to redeem nor does it include statement 10a from schedule 2, or an attachment from OFT regarding defaults.

 

Is there any way I can get this default removed from my credit report?

 

Thanks.

Baz

[pussycat10]

OUSBA seem to be in a right mess since changing their systems earlier this year. I received an DN months ago, tried to call them to make an arrangment for several months to catch up yet each time I called I was told there was nobody available from "credit managment" to speak to me. I called daily, sometimes twice a day leaving messages but calls were not returned. In the end I finaly spoke to somebody in credit managment who assured me a default would not be applied and accepted the 2 month arrangment. Low and behold they applied the default regardless and wrecked my credit history.

 

Ousba accepted they were in the wrong but it did take a while to get it removed. My advice would be to speak to them, explain the situation and ask for it to be removed. For what it is worth, they later admited they were extremely understaffed and had a huge amount of problems with their new system.

[pussycat10]

I should also add, they have a habit of saying they have sent letters when they have not. Its all computer generated so it may be possible that the DN was never printed let alone sent.

[Bakerbaz04]

I should also add, they have a habit of saying they have sent letters when they have not. Its all computer generated so it may be possible that the DN was never printed let alone sent.

 

 

Thanks for the reply,

They just keep replying saying that they are satisfied that the default is valid. Even though I never received the notice. I have had a last attemp by writing to the directors asking then to remove the default.

 

Hopefully that play ball.

[AndyOrch]

Thread moved to Debt Collection Industry

 

Regards

 

Andy