Letter to send to credit agencies to dispute a default on my file

[wolldav]

Looking for a letter to send to the credit agencies to dispute a default on my file.

[ims21]

Is this the same issue as this thread?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?433303-CCJ-removed-because-judgement-was-Set-Aside&p=4616680#post4616680

[wolldav]

This is for another issue.... Theirs an item on my file that is incorrect hence the reason I was looking for a template letter to send to he credit agency.

 

Hopefully I put this in the correct location

[ims21]

Ak ok...I have moved you to the Credit Reference Agencies forum.

 

There won't be a template since these kinds of things tend to be differ in each case.

 

Care to tell us the story and then we can offer better help.

[wolldav]

Thanks.... I have a default from capital one and the amount is incorrect by as much as £300. it is a 3 year old account.

 

Ak ok...I have moved you to the Credit Reference Agencies forum.

 

There won't be a template since these kinds of things tend to be differ in each case.

 

Care to tell us the story and then we can offer better help.

[ims21]

Can you tell us why you believe the default to be incorrect by £300?

 

We really need details so that we can try and see what might have gone on.

[wolldav]

if I owed £500 on my defaulted card how can it show £800 on my credit report as a default? My card only had a credit limit of £500

 

 

 

Can you tell us why you believe the default to be incorrect by £300?

 

We really need details so that we can try and see what might have gone on.

[BRIGADIER2JCS]

if I owed £500 on my defaulted card how can it show £800 on my credit report as a default? My card only had a credit limit of £500

 

 

Have you had statements?

What is the default date?

Is this still in the hands of Capone or has it been sold on to a debt purchaser?

Why did the account go into default?

Did you receive a default notice and what was the default sum?

If it was defaulted for non payment or over credit limit/late or missed payments charges will have been added.

 

 

You should be aware that the CRAs cannot change the data supplied to them by creditors and will only no look to the creditor for an answer to your complaint.

 

 

Is Capone chasing this debt actively?