Refusal to remove Defaults from my Credit Report

[Scott9]

This is the first time I have used the site so please bare with me. I have searched and read through a lot of succesful cases on here but unfortunately I have not been so lucky and I'm looking for any advice that might help me turn this around.

 

I have 3 Negative markers against my credit report. 2 defaults and an arrangement to pay marker.

 

My first default is by Hutchison 3G for £12.00. I had problems from day 1 with 3G. I had taken out one of those internet dongles back in 2008 and it was basically useless, it was replaced countless times by 3 and resulted in me refusing to pay for a service I wasnt receiving for a small period of time. Although I didnt want to I did continue paying as I didnt want to end up with bad credit but having thought the account was closed and settled, I find the default for just £12.00 registered against me.

 

I have written a polite and apologetic letter to 3G explaining I'm looking to apply for a mortgage, financial problems it is causing for my family, that it's such a small amount and the adverse effect it is having etc. 3G have written back a tiny 1 paragraph letter basically saying it is a true reflection of how the account was managed and they wont be removing the default.

 

My second default is with T-Mobile. I moved home and did not realise I had one final payment left on my contract. The outstanding balance was £57.17. This appeared on my credit report, I contacted T-Mobile who advised the debt had been passed to a DCA and they could not accept payment but passed me the DCA details. I contacted the DCA who advised the settlement figure was £45 which I paid immediately. I then find a default registered against me by T-Mobile for £7.17! I called T-Mobile who said they don't know why I was told to only pay £45 and this time they were prepared to accept the remaining £7.17 directly.

 

Similar letter (as the 3G one) to T-Mobile who have responded advising as the DCA told me to pay £45, despite the default being registered by T-Mobile, to take my issue up direct with the DCA, who can't do anything as they didnt register the default. T-Mobile are just advising there is nothing they can do.

 

Finally, HFC bank have registered an "arrangement to pay" marker against me. I never needed an arrangement to pay for the account and never agreed to one. My payments remained the same every month apart from 1 late payment until I settled the account early.

 

Again, similar letter to HFC but they just flat out dont respond.

 

Sorry it is a bit of a rant I just wanted to be clear about my situation.

 

Any advice would be greatly appreciated.

[dx100uk]

what are the defaulted dates from each debts summary.

 

dx

[Scott9]

Defaults:

 

Hutchison 3G:

Call Credit - 14 January 2010

Equifax - December 2009

 

T-Mobile (EE):

Call Credit - 10 November 2012

Equifax - Oct 2012

 

"Arrangement to pay"

 

HFC:

September 2011 following a 1 month late payment marker.

 

Thanks, Scott.