New and need help

[Rachid10]

Re: New and need help

Just to add, I have seen the strategy used on "learnmoney" for attempting to remove defaults and wondered if its worth a try?

thanks

[Rachid10]

Re: New and need help

Thanks If, I'm glad i have found you guys

[IF]

Re: New and need help

Hi Rachid10 and welcome, someone will help you soon. I've moved your post to your own thread now, so no need to post your question all over the board. We are a little quiet tonight so please have a little patience and you will receive the help you need.

Best wishes
If...x

[Rachid10]

Hi Guys,

I am completely new to this site and have a few questions. I had an excellent credit history till around 3 years ago got into abit of debt at uni. I had a lloyds credit card which i fell behind on payments, I recieved few collection letters but nothing in the shape of a default letter and they defaulted me for £800, credit limit was £500 and the rest was charges which is now fully satisfied,

Secondly i had a small loan of £500 with natwest around the same time and again fell behind on 3 payments which resulted in a default and again no default notice letter, not only that because the loan defaulted they defaulted my current account aswell because they say its under the same umbrella. All the loan and current account have been repaid in full. Can they do this?. I'm really confused about this and wanted to know if i had a case to having them removed? I am improving my credit rating in the hope of getting a mortgage soon.

Thanks Rachid