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  • #1

    Removal of default

    Hi,

    I recently checked my credit file and noticed a default has been entered on there for an old debt. It's a little strange though as it is currently showing as not satisfied although there is an outstanding balance of 'zero.' I am currently trying to get my finances in order, as I am trying to secure a mortgage. This default is acting as a barrier and I was wondering if it would be worth my while contacting the company offering to pay off this debt if they would remove the default? Only thing is i do not want to open a can of worms. Any advice please??

    Thank you
    Tags: account, advice, con, credit, creditor, date, debt, default, details, finances, mortgage, order, paid, paper, pay, removal, shopacheck, work
  • #2
    Re: Removal of default

    Hiya & Welcome

    Do you have any other details, such as when the debt started, last paid, and even better who is the original creditor?

    Thanks
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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    • #3
      Re: Removal of default

      Hi, Thanks for your response and sorry it has taken me so long to reply. I just needed to find the paper work.

      The lender was shopacheck. It states the original balance was £875, Current balance - closed January 2011. Account holder status - Normal, Account status - Default. Default date - 17/01/11, Default Satisfied Date - 17/01/11.

      Do you think there is any way I could get this default removed? Was considering ringing them to see if I paid them would they remove it? Don't know if I would be opening a can of worms though?

      Thanks

      Comment

      • #4
        Re: Removal of default

        Ahh forget your credit report entry. I'm
        Asking YOU when you opened it and last paid into it?
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

        Comment

        • #5
          Re: Removal of default

          Hi,

          According to the credit file, it was opened in March 2009. I was paying it off weekly for quite a while, so have probably paid a fair amount off already. Not sure when last payment was made but was probably late 2009.


          Thanks

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