Removal of default notices on credit record?

[danielman2]

6 years for a default is wrong

[gaz2006]

you may feel it is wrong but thats the way it is unless it was served wrong , wrong amount , wrong period to put breach right , etc you have no chance even if you pay off it will be changed to satisfied but still will be a default and will be there for 6 years since it was started

[jga1912]

Having stumbled across the LearnMoney link Im going to pursue this myself, but I was wondering if anyone could advise on a couple of issues first.

 

Some of my debts have been sold to DCA's who have issued defaults against me according to my credit file. Now these debts were sold two years after I started a DMP with Payplan. Ive no doubt the original lender issued a default, but I fail to see how the DCA's have. I never owed them the money initially & I havn't missed a payment via Payplan either.

 

Some advice before I proceed gratefully accepted.

 

TIA

[sparkledynamite]

Hi

 

what can i do if all 3 credit agencies;

checkmyfile.com

experien

equifax

 

are not displaying the same information, equifax has a default on my account for communications supplier for £171 that i do not remember, they have no record of my payment history on my credit file, so this does not show a true representation of my payment pattern. what can i do?

 

check my credit has written:

 

This account and its history does not appear to have been reported to Callcredit.

It is possible that due to wide variance in the information held at Callcredit for this account that it will appear separately in your report.

 

what does this mean?

 

Can i get this debt removed? can i ask for my credit agreement? if they dont have it what can i do? the account was supposedly opened in 2003, defaulted in 2007 due to be removed 2013 sept.

 

how can i get it removed? any direct links to template letters

 

your help is appreciated,

 

Thank you

[danielawilliams]

Hello Boy,

 

I saw your post about getting the default removed on your HSBC credit card. I have a similar situation with Santander. I opened a student account with them and had an issue with being overdrawn. They charged me £200 in charges and I refused to pay them back until they removed these charges. I checked my credit rating and found a default on my name from them. I contacted them and they said they sent a letter. I asked for a copy as I did not receive one. They said they did not need to send the original document to verify there claim. Surely if they had it they would just photocopy me it? Could you help me as what to do next as I would appreciate it greatly. I am 23 and just starting my work life and this will hang on my head for 5 years. I feel they are being harsh and not taking reality into account that I am young and this was all over the fact they put charges on to my account amounting to £200.

 

Many Thanks

 

Daniel Williams

[chambers]

Hello, Santander have been messing about since April and have today replied to say they are not legally obliged to hold a copy of the default notice - can anyone confirm/deny?

 

Thank you for any assistance.

[frankaai]

Hi i have two defaults with Gothia, do i have the right to ask them for a true and signed copy of the original default notice? how do i go about this?

[Staffswolf]

No arm twisting, honest.

 

I used a template that I got off this forum, and hey presto, I recieved a letter from HSBC, stating that 'due to the age of the account, we are unable to provide copy (of) documentation as required. A request has been made today to remove this record from your credit file'.

 

I checked last week and the default has been removed from Experian & Equifax. The debt was for £1300 (roughly) and not made up of charges.

 

God honest truth it took 15 days!

 

If you want a copy of the letter I sent, I will be happy to oblige.

 

Best regards

 

David

 

Hey this may be a long shot but I don't suppose you could send me a copy or template of the letter you sent?

 

Thanks in advance.

[wanjama borbor]

No arm twisting, honest.

 

I used a template that I got off this forum, and hey presto, I recieved a letter from HSBC, stating that 'due to the age of the account, we are unable to provide copy (of) documentation as required. A request has been made today to remove this record from your credit file'.

 

I checked last week and the default has been removed from Experian & Equifax. The debt was for £1300 (roughly) and not made up of charges.

 

God honest truth it took 15 days!

 

If you want a copy of the letter I sent, I will be happy to oblige.

 

Best regards

 

David

 

Hi David,

would you be kind enough to please provide me with the letter that you wrote to HSBC. tHANK YOU.

 

REGARDS

Wanjama Borbor

[martin2006]

See post #14 of page 1 of the thread, its already posted

[dx100uk]

Hi David,

would you be kind enough to please provide me with the letter that you wrote to HSBC. tHANK YOU.

 

REGARDS

Wanjama Borbor

 

 

rules guidelines and laws have changed since 2006 Wanjama Borbor

the method outlined no longer applies

 

might be best you tell us about your issue

by starting a new thread

 

 

thread closed to stop it keep being posted on

as it dates back to 2006

 

 

 

dx