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Well you could but it is better to put a formal complaint in writing. Say it is unreasonable to expect you to travel 60 miles to a branch when they have made an error. Every payment has always been made on time. Last week, I applied for a second product with them and this was approved. On the same day, my account was placed under review. Since I have never missed a payment, can they do this? And how do I stop them from placing a default next to my name in 7 days time.
If you have never missed a payment and have a zero balance on both the old and new accounts then no default should be placed. Thanks for your response.
Would you say the best thing to do is contact them and ask to remove it? If not, it would be the financial ombudsman next right? Hi, I got into financial trouble 5 years ago and entered a payment plan which runs for another 2 and a half years.
On entering the payment plan after a few months all but one creditors defaulted me, obviously happy with defaults as they drop off after 6 years. So at the moment I have 5 years of Arrears marked on that account.
After trying to contact them they advised I go through equifax and report it through them only then for barclaycard to respond to equifax asking me to contact them directly. Am I right that this should be defaulted or am I wasting my time? Also any help on some wording would be greatly appreciated thanks. Telling you to go through Equifax is absurd.
The SCOR rules say a default should be added when the account is months in arrears, as the article above explains. I suggest you tell Barclaycard either they agree to add the backdated default or you will. Send your complaint to the Financial Ombudsman. Hi Sara, I took a loan out with Avant Credit in which defaulted. It was passed to a DCA and it now has been paid off. I have checked my credit file and the debt is recorded twice there once with avant and one with DCA.
Is this right!?! Kinda looks like two debts rather than the one. It does look bad, but the credit scoring systems ignore the first of these debts. BUT Avant loans are expensive and were often given without proper checks that you could afford the repayments.
If this loan caused you difficulty very early on, then it may not have been affordable. In this case you can make a claim to Avant not the debt collector and you may be able to get a refund of the interest paid including what you paid to the debt collector and also to have the defaults removed from your credit record.
OK thank you. For two reasons I feel this was unfair.. Like a push, bribe or warning to pay in full?! And removes all the very high interest. I have a default from barclaycard which defaulted in June The account was later sold to PRA and is now settled in full.
On my Experian, these are showing as 2 separate defaults, although the barclaycard one says its been sold to a CAIS member. My question is — Is this the normal reporting system? This is absolutely normal and what should happen.
Credit scoring systems and lenders should ignore the first default. I had default applied by Fernovo quidie ltd on my file for an ex amount.
I was in a DMP started in November I have accepted their offer and the full debt was paid back in August but still, a default was applied. I have written to them an email regarding the complaint resolution and asking to remove the default. Do you think they should do it? Can you do the opposite and ask a lender to add a default? I have a Nationwide credit card in a DMP and they have added an arrangement to pay marker, but a default would be a lot better for me as it will come off earlier.
My wife and I entered into a DMP with Payplan in March and paid up until October and managed to clear all outstanding creditors. Fast forward to now and we are looking to re-mortgage with Santander and have applied for a decision in priciple and been rejected.
I have contacted Arrow Global and the lady acknowledged that they have records of our DMP and first payment in April for this particular account and I have asked them to backdate the default date from January to I have also acknowledged that the date could be between 3 and 6 months after March which is sometimes common practice with creditors.
My question to you is should this be quite straight forward for them to agree and backdate as they have records from and 7 years is a considerable period of time for a default to be added to an account which defaulted in I have emailed them today and shall await their response. It should be simple for them to do. Whether they will agree straight away, I do not know. Can you come back and say what happens? They incorrectly reported the account and reported a default also.
I complained and they agreed to remove the default in Nov , and to allow 60 days for it to reflect — I have just seen that it is still on my report. I have followed it up just now with an email and received an auto generated response to my email that I will be answered as soon as possible, however a quick google search shows MyJar entered admin.
Where do I stand in getting this sorted? I also emailed them regarding negative information to be removed from my file. Ive written to equifax to try and sort this out including the email proof. Do you think its likely they will remove this? I hope they will do this. If they say you should talk to the administrators, tell them they said to speak to you. I was in a financially abusive relationship over this period surviving on student loans to pay for myself and children.
Should the utility company have defaulted me during a previous period? Reading ICO guidelines normally between months. The effect on my credit has been tremendous. Trying to get a mortgage is an absolute nightmare. Am I totally wrong or should my account have been defaulted earlier? Should I got to ombudsman? Still with Shell Energy and my utilities have never been cut off…. Thanks for responding. Can I pursue any other way?
One thing — quite soon the default will be more than 3 years ago and it has been paid for more than two years. At that point it may again be worth talking to a mortgage broker as it may be possible to get a mortgage.
I know! There is just over 6k left. Default has just ruined everything. I have had no contact with the lender, certainly in the last 10 years so the debt is absolutely statue barred.
Can I do anything to have this removed from my report? From your email address, it sounds as though you have a pretty common name. It is possible that this was never your debt at all…. You need to contact Virgin about this. Say you have no recollection of the alledged debt, you have never been contacted about it and it is your understanding that if it was your debt it will now be statute barred.
Ask them to either delete the credit record or add a default date back in so it will drop off your credit record.
Notify me of follow-up comments by email. Notify me of new posts by email. Recommended places for debt advice. More about Debt Camel. Privacy policy Comments Policy. Or sometimes the default feels unfair in someway I will look at various cases to see what — if anything — can be done for each of them.
More Debt Camel articles:. Equifax changes its credit scores! Is an unknown debt on your credit file? Improve your credit score for a mortgage. There are many debt charities and companies that offer free independent advice for everyone.
They can advise you, and could act on your behalf to help with any debts you might have. MoneyHelper is a free, government-backed money guidance service — their site includes a handy Debt Advice Locator tool that can help you find confidential debt advice.
Other places to turn include:. What is a default? How long does a default stay on your credit file? What is a default notice? Can I get credit, like a loan or mortgage, if I have a default? Can employers see my default? Can I remove or update a default on my credit file?
You can also contact the organisation directly yourself If the lender realises their data was incorrect, your report will be updated to reflect this. National Debtline nationaldebtline. StepChange Debt Charity stepchange.
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