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I had a catalogue account with Great Universal which went to a CCJ which I have paid off, but my credit file also shows a default for the same debt. I do not remember receiving a default notice from Great Universal, just the court paper work after I had not paid for two or three statements.
Would it be worth contacting them to see if a default notice was sent and if I can get it removed from my file?
I think Layla that at this stage, if you have paid off the debt, your credit rating should show that the debt is paid, but I am not sure if you can ask to have it removed or not if its settled??!!
A CCA will not as far as I can tell be useful, maybe more a case of an SAR showing all of your history with them and when they advised you of the default. This may answer your questions?
I was also shocked that they defaulted AND ccj'd me for £210, and only agreed to a payment plan after it had gone to court! Grrr, but it was my own fault for not keeping up with payments
I thought if I could prove there was no credit agreement then there is no debt and as such they should remove their details from my file? I wouldn't be asking for the money back that I paid as I did owe it to them, just wondered if I could get rid of the default?
hi layla - i personally think it is too late you have admitted the debt by completing the admission form to the court - how long ago was this? the default should show as satisfied and if it is more than six years it should be removed
Good luck
Linz, other than waiting 6 years do you know of any other way of having the default / ccj removed?
I guess that Layla you are concerned about having adverse credit history (especially for the miniscule amount that you were taken to court for!)?
Red
I wonder if it is worth sending off one of Surley's default removal letters, as the account was been paid in full in Nov 2005, not even a settlement figure, then they will not be losing out by removing the default?
Red you can send the default letter not a problem but leyla cannot as admission has happened therefore six years before it will be removed - although satisfied is better than not.
Well, I am going to send it off anyway as other people have used it successfully in removing defaults from their file, nothing ventured, nothing gained
Well, I am going to send it off anyway as other people have used it successfully in removing defaults from their file, nothing ventured, nothing gained
Great Universal Default and CCJ
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Originally Posted by Layla_ck
