Should I pay my debt to clear default??

[jax8008]

I am claiming £450 which was due to be heard back in August but due to the test case is now awaiting to be heard at the Court. In the meantime because the Abbey have placed a default notice on the account I am finding it impossible to get credit. I was wondering whether it would be better for me to pay the £253 that is the outstanding balance and if by doing this the default would be lifted?

I did follow the instructions and began my claim in January this year and notice that the letter I sent regarding Preliminary approach states:

"Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account.

In addition to full payment of the sum mentioned above, I require that you remove the default entry from the register. Please note that mere correction or amendment to the entry will not be acceptable."

but alas this has not been the case for my account.

I wonder if anyone could advise as to whether the default would be lifted if I paid the amount outstanding in order that I may get credit. I would obviously continue with my claim once the test case has gone through the court which I now understand will not end until the end of January - this is too long for me to wait as I am a single parent who in the past had great credit history but this default has black marked me proper!!

I appreciate any feedback and/or advice.

Many thanks

Jackie

[gizmo111]

I wonder if anyone could advise as to whether the default would be lifted if I paid the amount outstanding in order that I may get credit.

No it will only be marked as satisfied.
The only way you are likely to get thsi removed is when the claim is heard.