Hello!
I'm looking for some help in getting a couple of defaults removed from my credit record. They are registered with Lowells, I honestly don't ever recall being notified of any defaults on these occasions being filed against me.
My husband and I are desperate to buy our...
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Default Removal Help!
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£45 debt = £280 default??
Hey all.. Just been looking at a mate's credit file, and she has fresh default from Orange..
Now, as far as I can tell, her balance was ~£45 and she missed a payment.. The next month was £140, and the month after, £250ish..
Still waiting on paperwork to clarify, but... -
Account status markers
I'm feeling a bit thick. Is it just me? Does a default ever drop off, or only those that have been subsequently made good, i.e. paid in full?
I have been looking at my Noddle Credit History, I know it is not the best site but it is free. Anyway as I checked through I see that there is... -
Natwest Overdraft - Default removal help
Hi all,
Long time reader, first time poster here.
I have had an issue with a student overdraft which has left a default on my credit file without my knowledge.
- Amount £1200 upon graduation
- Because I did not pay my wages (foolishly) into this account,... -
What happens after six years from default?
Well my credit file was totally wrecked by the banks in 2009/2010 after my wife was made redundant. We started a dmp but we got about eight defaults with various banks between us with a total balance of 25000.
I believe the debt falls off the credit file after six years but the banks... -
Barclaycard help please
Hi all, I am new to the forum.
I have been having an ongoing battle to remove a default from my credit file. For some years I have been pursued by DCA's in relation to a Barclaycard credit card. Will try to condense below:
1. Robinson Way began contacting me in 2006 regarding... -
do statute barred debts ever come off credit files
if this is the wrong place for this question then sorry, i was not sure where to ask , but knowing me this has already been answered a million times already
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LLoyds default for current account help
Hi everyone
This is my second post on this site and wanted to start with some great news that after sending Lowell debt collection agency an unenforceability letter they closed my account and removed the default from my credit file: D
I now only have one default left on... -
How long does a company have to register a default with CRA?
Hello,
I had a payday loan in Jan 2009 for £195. Never paid it back. Got a few letters from the company and a default notice sent in the post in March 2009. Following that never heard any more and the details of the loan and my failure to pay it back were never entered on any 3 of my credit... -
Default Removal - Almost there! I think....
Hi All
I just found this forum and joined up to see if I can get some help
I have been having some problems with an old Halifax account that I use to have back in 2009 let me give you some of the background information...
Halifax Personal Current Account.... -
Do they require Proof of delivery that default notice was sent?
Hello,
I have a default registered on my Equifax Credit file for a company called RiskInc (PDL). I fell behing with payment of the PDL but never received a notice of default.
I have asked them to provide proof that they sent the notice and they said they don't have the proof... -
To pay or to Default ?
I have one default already(Marbles) dated Aug 2010 on my Equifax and CallCredit credit reference files (doesn't show at all on Experian though). I actually then part-satisfied that debt by paying £6K in 2011 (having read AAD forums that was probably a waste of money).
However, I am... -
Vodafone Default and additional charges added to debt by DCA
Hi,
I was wondering if anybody can give me some help or advice as to where to turn next regarding an outstanding debt with Vodafone.
The background to my story is as follows...
In early 2011 I ran into financial difficulties due to seperation with my partner, me being... -
Default and Termination notice
Hi all
Sorry for my confused question
If a default notice has been issued and subsequently the account is terminated, can it be argued to any effect at a later date if the creditor then agrees that a) the default amount was incorrect b) payment of the requested amount... -
Default removed, but then...
My OC has removed a CRA entry dating back to 2008 as they admit it was sent to the wrong address. This has been on my file for 4.5 years.
They have also said they have bought the account back from a DCA to do this, and will issue a new default if I do not settle with them.
The question...
