Removing a Wonga Default on my credit file

[dannyboy253]

Hi All,

I am new to this site and first of all i would like to say good work on all the advice that you post its helped me a fair bit!

 

Anyway at the moment i am looking for my first family home and obviously looking at applying for a mortgage. After looking at my credit file i have two defaults in regards to payday loans. One with Wonga and One with Lending Stream. The good news is i have managed to remove my Wonga default! So i've come here to share the e-mail i sent to them to try any help anyone else in the same situation!

 

My E-Mail to Wonga:

Mr Dannyboy253

1a Some street

Somewhere

Big City

S99 9XX

 

 

Wonga.com LTD

3-4 Prince Albert Road

London

NW1 7SN

 

Date: 21/02/2014

 

Dear Sir or Madam

 

Loan Agreement Ref - 0000xxxxxxx

 

After recently obtaining a copy of my credit file from Experian I was concerned to note that your company has placed a "Default" notice against my account in my name. It saddens me that you have done this due to myself being a very loyal and good customer with yourselves.

 

Furthermore to this I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience.

 

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account.

 

2. You must supply me with a signed true and certified copy of the original default notice

 

3. Any deed of assignment if the debt was sold on

 

This “Default” is now seriously affecting my chances of obtaining a mortgage for a family home. I have a dependant that is 14 months old and another that is expected in May 2014, this situation is causing my partner and I great cause for concern and upset. We are finding mortgage applications are failing at the early stages and we have been informed it is because of this. In addition we are under extra stress as we are being threatened with eviction from our current accommodation due to overcrowding making this request all the more urgent.

 

I would request that this data is provided to myself within the next 28 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated.

 

I hope that with me being a very good and loyal customer that you could help me as a gesture of goodwill and remove this.

 

Yours faithfully

 

 

Mr Dannyboy253

 

 

I sent this as an e-mail to them and also as a letter which was sent 1st Class recorded. I reciveve this responce from them today:

Dear Dannyboy253,

 

Thanks for your recent correspondence about us reporting your data to the credit reference bureaux.

 

In relation to the default filed by us on, we can advise you we only record accurate and up to date data with the bureaux. We describe our commitment to this in our terms and conditions, and privacy policy.

 

However, we have sent a request to both Call Credit and Experian to remove any default that may be noted on your file with regards to this account and to update your account as settled on 19/10/2011. Please allow 10 days for this to reflect on your credit file.

 

Should you have any further questions or queries please do not hesitate to contact us on 08448429109.

 

Kind regards,

 

Escalations Team

Wonga.com

 

So obviously i am delighted with this outcome, I just have Lending Stream to sort out now! If it doesnt work the first time for you like it did for me, DON'T GIVE UP! It is possible with persistance!

 

 

Good Luck!

[renegadeimp]

Be aware, that even though there isnt a default on your file, many mortgage lenders will decline a mortgage application if there is any recent activity relating to PDL's on your credit history. The reason being that it shows you were in financial difficulty.

[dannyboy253]

Be aware, that even though there isnt a default on your file, many mortgage lenders will decline a mortgage application if there is any recent activity relating to PDL's on your credit history. The reason being that it shows you were in financial difficulty.

 

Yeah i am totally aware of that, thanks anyway! But obviously no default is better than a default on my credit file.

 

But i also hope this helps a few people in getting thiers removed.

[stef787]

hi, thanks for posting this! I see that you settled the debt in 2011. when was the default placed on your credit file? I have the same issue and I am trying to remove a default from 2011, but the debt was only settled this month.

[renegadeimp]

If the default was valid then you have no chance at getting it removed.

[yesilgozlerim]

How recent is recent PDL activity