help trying to get two satisfied defaults removed

[crh]

Hi All

 

going to try and get two satisfied defaults removed. first with style finance/ted baker card and the second 1st credit/barclay card

 

i've downloaded the surlybonds template letter and am gonna send it out to 1st credit in the morning

 

any advice?

[Azazal23]

just follow the instructions and stick to the timetables. I did and got mind removed within 5 weeks.

[crh]

just checked my credit file and the 1st credit default has been removed!!!!!!!!

 

wooooooohoooooooo

 

1st victory

[SurlyBonds]

just checked my credit file and the 1st credit default has been removed!!!!!!!!

 

wooooooohoooooooo

 

1st victory

 

Glad to see it's still working here and there Well done.

[crh]

thanks surly

 

your templelate really helped. I stuck to it exactly and just entered the name of the 1st credit who had the default against me.

 

this could help so many people change there lives by getting rid of settled accounts with defaults

 

i'm sending it off to style financial on mondsy morning

[doo]

Well done, what a good start. Have just sent Surly's default letter to Next (thanks Surly) so will now sit back and wait.

[crh]

hmmmmmmmm

 

just got a reply from 1st Credit basically telling that they have taken guidance from the OFT and wont be following my request to stop processing my data! He claims that he has attached a copy of the default notice which has no account reference or my name and address on it and isnt really a default notice it just says that if i dont pay by xxx then they will send a formal demand and then issue a default.

 

The thing which confuse's me is i've checked my credit record and the default has been moved but they marked it settled in november 2005 and not in november 2007!!!!!

 

The guy from first credit also claims that barclays will remove the default in 2011 but it was first credit who defaulted me!!!!

 

i'm confused what to do should i write back to them or just leave it be as the default has been removed

 

surly i'd apprciate your input on this one

[able]

huh? not sure what you mean.

[crh]

i wrote asking for the default to be removed

 

checked credit file and default has been removed

 

they wrote back and told me they wouldnt remove the default and my argument to have the default removed was unfounded even though the default has been removed

[doo]

Well crh, good news in regards to the default removal. What else does it show on that entry in your credit file (usually has info in status brackets which can be negative info).

[crh]

just checked with equifax and the second default by put on there by style has gone too

[doo]

Great news, did you get the default's removed by using Surly's template letter, doesn't seem to be working for me in relation to Next Directory, am still trying and have asked for a true copy of my default notice but they do not keep them, so they have sent me a reproduced copy with the wrong postcode

[clairesolo]

please can i have the linke to the template letter please, im trying to do the same, ta

[doo]

http://www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal.html

[ellielou]

Well done for getting the defaults removed - it must be a real relief :D

 

I have a small question though I have 5 defaults on my credit report all dated in 2003 & 2004, all relating to when I was with my ex (grrr;) )

 

These debts were being paid with a payment plan via the CCCS and were fully repaid when I remortgaged (to buy out my ex) in June 2005.

 

My question therefore is - As the accounts were still open when the defaults were registered is this method still relevant to my requesting their removal?

 

I ask because the accompaying letter says "In my case, you are retaining and processing data (whether or not this is a simple renewal process of the default flag, daily or other timed factor) after the cancellation of the contract. As that contract is no longer in situ, then my written permission has also ceased from the date of cancellation."

 

And my defaults were recorded whilst the contract was still in effect. Wasn't it? I don't know :-? :-?

 

Sorry for hijacking your thread but any help really would be very very much appreciated.

 

Thanks for reading xxx

[crh]

Great news, did you get the default's removed by using Surly's template letter, doesn't seem to be working for me in relation to Next Directory, am still trying and have asked for a true copy of my default notice but they do not keep them, so they have sent me a reproduced copy with the wrong postcode

 

 

Hi Doo

 

Yes i did use surly's letter. Did you send them the S10 notice as well as the letter text? They have 21 working days to comply with the S10 which is what happened with me with style financial. I didnt hear another from them at all the default just disapeared after the timescale was up.

 

what did next say when you sent them the letter's

 

have you though about going to the ICO to enforce your S10 notice

 

Surly is the real exeprt on this have you tried contacting him

[crh]

Hi ellielou

 

from what i understand all the accounts attached to these defaults have been settled?

 

if you have settled the debts then the surly method will apply to you it dosent matter if the accounts were open when the default was applied all that matters is that the accounts have been settled

 

what the letter is stating is as you have settled the accounts they are now closed and when they are closed your written permisson for them to process your data ends

 

make sure you send them the S10 notification with the letter and also make sure you send it recorded. Dont suprised if you dont hear anything from them or they send you a BS letter in reply. But check your credit file a month after sending the S10 and you may find the default has gone!

 

best of luck

 

Crh

[ellielou]

Thanks for the advice crh. I've sent off 5 letters recorded delivery today.

Fingers crossed I have as much success as you did

[Holdred]

This has given me the confidence to approach GE, HSBC and NTL to have my satisfied defaults removed.

 

I'll start new threads when I'm in a position to send out the templates.

[crh]

go for it funhat

 

let us know how you get on

 

remember to stick to the template letter

[ellielou]

Hi crh

 

I sent letters of & have now rec'd replies - I've stared a new thread so I don't end up hijacking yours

 

Consumer Action Group > The Bank Action Group - against unlawful bank charges > Legalities > Data Protection and Default Issues Attempt at getting defaults removed

 

Sorry I don't know how to put the link in!

 

Would you have any advice as to where I go from here?

 

Many thanks

Ellielou x