Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Having good credit record with experian and equifax, and also being declined for credit card and bank account, I decided just to check
call credit to see what they have on record about me.
Even though being told by the lenders that they credit score me against
the above CRA's they also have checked Callcredit. Which I have just found a defaulted account with a mobile phone company at an old address, The date of default is February 2004, and last updated with the dreaded black "D" 08/2009.
I know that after 6 years the defaulted account should drop off the record. Does anyone know whether is this from when the account went into default (feb 2004), or is it based on the time the account was updated.
My second question is, If i settle the account, and the account is shown as settled, will I have to wait 6 years from the settlement date before the
default is removed.
mobile phone contracts are not convered by cca 1974.
try something like this:
I am writing in relation to a default that xxxx issued against me, and as shown on the attached extract of my credit report. Normally when a default is issued the lender is required by law to send a pre-default warning letter. This gives the customer a final 30 days to pay up, and also explains exactly what a default is and how it might affect access to credit in the future.
I gather the Mobile Phone companies are not regulated by the Consumer Act 1974 and therefore are not required by law to send an official default warning letter.
However, there was an official contract in place between xxxxx and myself and this therefore is covered by Contract Law. Clearly there was a - breach of contract' and therefore vodafone was lawfully obliged to send notice of this breach, and to have given a reasonable amount of time for the breach to be remedied.
Clearly xxxxxxxxx has not followed the official guidelines set out by Contract Law and therefore the Default is unlawful and should be removed.
I require the default mark on my credit file to be removed, immediately.
In a Quandary
company at an old address, The date of default is February 2004, and last updated with the dreaded black "D" 08/2009.
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