Just wondering about Default notice

[justwondering]

To cut a long story short, a few years back my company had to close and in turn was sorting things out when through the whole process I discovered that there was an issue with a hire purchase agreement I was on with BMW

 

Basically and not to bore you all, I disputed the credit agreement due to a very long winded defence regarding the validity of the agreement, basically BMW continued with their action, repossessed the car and started proceedings.

 

However I put up a valid defence against them and we agree to settle out of court

 

So my question is, as I was prepared to defend the action fully as I disputed the validity of the agreement, and as they agreed to discontinue action, do I have an argument in order to get them to remove the default from my credit file

[BRIGADIER2JCS]

Hi Welcome to CAG,

How long ago was the default placed? It will be removed after on the 6th anniversary of the default date.

 

 

It would be reasonable I think to request removal of the default as agreement to settle out court was reached.

[justwondering]

Its been a couple of years, my issue really is that it should have never defaulted in the first place as I don't feel it was an enforceable agreement and as such I think they also didn't want the headache of the defence I produced so we agreed to all walk away

 

I have one other opportunity to be honest where I stipulated this in my correspondence where I asked that the default be removed, now they never denied or refused to do so, so in essence I have a reasonable argument to say that they agreed to those terms as I see it

[BRIGADIER2JCS]

Definitely worth a try imo!