Removing defaults from you credit file

Help and advice on repairing your credit rating.

Moderators: Faljay, Tiggy, williams2583, SalliNae

Re: Removing defaults from you credit file

Postby Ck1 » Thu Feb 09, 2017 12:27 am

Hi guys ,

I found out I had a default from orange last Thursday when I signed up with Experian . After doing a lot of googling on Friday I found this thread . used the email template that somebody in the thread provided . I sent it to the CEO and his team got back to me Monday morning .the default has now been removed the account settled and I now have a perfect credit score (without paying what was owed back ) . Thank you to the people who provided the email template .
Ck1
New Recruit
New Recruit
 
Posts: 2
Joined: Thu Feb 09, 2017 12:23 am

Re: Removing defaults from you credit file

Postby adyclegg » Thu Feb 09, 2017 12:10 pm

:D
adyclegg
Silver Member
Silver Member
 
Posts: 330
Joined: Tue Jun 21, 2011 3:23 pm

Re: Removing defaults from you credit file

Postby fayec07 » Thu Feb 09, 2017 1:29 pm

Well done
Which letter did you use? I'm trying to get a default removed with capital one but they are having none of it.
Regards
Faye
fayec07
Bronze Member
Bronze Member
 
Posts: 54
Joined: Thu Jul 28, 2016 4:30 pm

Re: Removing defaults from you credit file

Postby Ck1 » Fri Feb 10, 2017 12:02 am

It was the one in the 4th page of this thread . I call d orange on the Friday and they was no help . I sent the email that night and wasn't excepting it to be dealt with so quickly . The email addresses somebody provided all bounced back but I googled the CEO and all other important people left at orange which is now EE. Keep sending letters and emails ! Hope you get everything sorted !
Ck1
New Recruit
New Recruit
 
Posts: 2
Joined: Thu Feb 09, 2017 12:23 am

Re: Removing defaults from you credit file

Postby Pat54 » Fri Feb 10, 2017 4:12 pm

Can I still use your information EVEN though my debt was a result of unauthorized payments from my bank account and it was the bank that recalled this amount back.
Pat54
New Recruit
New Recruit
 
Posts: 1
Joined: Fri Feb 10, 2017 4:02 pm

Re: Removing defaults from you credit file

Postby it1gtr » Wed Feb 15, 2017 3:19 pm

Pinged e-mail to BT ceo whose e-mail I found online

Had a call back an hour later from a very kind woman who said they would investigate

Have just heard back, defult is being removed from my credit file. ;)

Very happy man! Goes to show, don't ask - don't get.
it1gtr
New Recruit
New Recruit
 
Posts: 2
Joined: Sun Jan 22, 2017 12:42 am

Re: Removing defaults from you credit file

Postby wan2debtfree » Thu Feb 16, 2017 10:47 am

Can I still use this letters. I had a debt with three. But they are putting me a default from last 4years on the old address where i use to live 4 years back.
wan2debtfree
New Recruit
New Recruit
 
Posts: 17
Joined: Sat May 30, 2015 9:01 am

Re: Removing defaults from you credit file

Postby JordanHealy90 » Thu Feb 16, 2017 1:18 pm

Hi Everyone,

Nice to e-meet you all!

This thread is brilliant, well done! I'm currently on letter number 3 to Lowell Group who are still not willing to remove a default from 2013.

They have sent me a letter from ISME the original creditor who state that

"On 12 April, 2013 your account was legally assigned to Lowell Portfolio I Ltd as such any further communications and payments regarding the above account(s) must now be addressed Lowell."

And also a letter from them (Lowell) stating...

"Introducing Lowell
We are Lowell Portfolio I Ltd, a specialist debt purchaser who buys accounts from companies such as Shop Direct / ISME where there is an outstanding debt. We then work with the customer to help them repay it.
Your account was sold to us on the 12 April, 2013, details of the account are set out in the right hand margin of this notice. The balance is in respect of goods you ordered and received from the catalogue. As Lowell Portfolio I Ltd now owns the debt we are entitled to receive payment of the balance."

My credit file states that Lowell defaulted the account on 09/04/2013.

Are Lowell legally allowed to default my credit file before they own the account?

Lowell also said this -

"The default notice is a one off document that is issued by the original creditor at the point when the borrower ceases to pay the required predetermined payments. As your dispute is in relation to the adding of the default in the first instance and therefore existed prior to sale of the account to us, then it would remain the responsibility of the original creditor to resolve. Therefore, any issue that you feel that you have in this respect would need to be addressed by the original creditor and not Lowell."

Is this correct? Should I be directing my letters to ISME?

Thanks in advance for your help.

Jordan
JordanHealy90
New Recruit
New Recruit
 
Posts: 1
Joined: Thu Feb 16, 2017 12:55 pm

Re: Removing defaults from you credit file

Postby TomC100 » Fri Feb 17, 2017 12:03 pm

I'm going to try letters to ceo - have 3 defaults from insolvent business. the large one drops off next month. The other two (comms contract & business credit card) to the tune of £800 (lots of fees added) have yet to be dealt with. Even though I have a credit card that keeps increasing every 4 months & loads of accounts I keep in good standing, my own bank (natwest) won't increase my credit line, its virtually impossible to take out good credit at low interest with these two defaults.

I've even offered to pay amount asked for if they remove but lowells won't entertain the idea - it's crazy how these companies operate.
TomC100
New Recruit
New Recruit
 
Posts: 26
Joined: Mon Nov 14, 2016 7:46 am

Re: Removing defaults from you credit file

Postby wakeupwake » Tue Feb 21, 2017 5:44 pm

wakeupwake wrote:It worked after first letter, £2000, account closed and default being removed.

Sent letter confirming account closed and default to be removed to CRA. They removed it straight away.
wakeupwake
Silver Member
Silver Member
 
Posts: 424
Joined: Sat Jul 03, 2010 8:19 pm

PreviousNext

Return to Credit Repair

Who is online

Users browsing this forum: No registered users and 3 guests