4 defaults - different status for each

[sammy115]

I have four defaults on my credit files. Two of them are for Shop Direct (additions), although I only had one account. They have one account with the first name slightly different to mine and apparently it defaulted with a balance of £633.00 Jan 06. The second one is in my name and defaulted for £296 in Apr 06.

 

This account was covered by payment protection but the Insurance company refused to pay out for 12 months, due to my previous employer failing to complete the claim forms. Eventually after much complaining the Insurance Company paid out the claim and I thought the balance had been paid off.

 

Default no 3 is for my barclayloan and was passed to Westcott. This default came about when I claimed they had mis sold my PPI. The operator told me that any refund I had for my PPI would cancel out my arrears. However, it didn't because they then claimed they hadn't missold the PPI but cancelled the policy as of that date. I can't really claim to never have had the default because I faxed them a letter of complaint asking them not to default the account as it was an error on their part. Wescott have never chased me for the money and the account was closed with an outstanding balance. Should I pay this first and then try to get the default removed or what? This could take me a while and I am trying to get my credit file improved so I can try and remortgage in Feb 08 when I am out of my penalty charge period.

 

Default no 4 is for my la redoute account - I defaulted with £376 owing and I am currently paying this off at £10 per month. I would be quite happy paying this off over 2 months. Should I ask them for a copy of the credit agreement and the default and see what happens, or should I pay it off and then ask them to stop holding information on me as I didn't agree to it.

 

Any help or experience you can give me would be much obliged.

[sammy115]

Quick update - two defaults have been removed by shop direct financial.. I managed to get through to the director of Littlewoods last Friday and after four hours of calls managed to get the defaults removed.

 

I am waiting for La Redoute to reply to my request for a copy of my CCA agreement and the default notice and I am still waiting........ they have cashed my cheque and the 17th June is the 12 + 2 + 30 days, so letter no 2 will be next.

 

I have been in touch with Wescott (barclayloan debt collectors) to see if I could make an offer of payment, but the debt has been passed back to Barclays, no idea why, but I think it is best to leave alone and deal with the others first.

 

HOWEVER, since my last credit report has been updated Abbey has now put a default on our credit report. We owed £5,500 on an overdraft. £4,000 was claimed on bank charges and they have defaulted us for the rest. I am unsure as to whether to go down the route of asking for a signed CCA and a default notice or suggesting that if they hadn't applied the charges the interest would not have been applied to my account and therefore the outstanding amount not owed. UNFORTUNATELY I threw all my bank statements away - I was so glad to be rid of them, but I wish now that I had asked for the interest back. Does anyone think I would be in with a shot..

 

I might just ask for copy statements again and work out how much this amounts to.