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glennjreeve

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  1. Thank you, Yes the default was legit, but being so close to it coming off of my file I am a bit unsure what to do. Would I be better to pay the £70 a month, wait until the default comes off of my account (which is approx 6 weeks) and then settle the account as this would show an un-defaulted account being settled? Thanks again Glenn
  2. HI, I have sent a CCA to Hillesden Securities and they have returned a Signed copy all good. They registered a default against me on 05/12/2006 for a debt of £4,414 (an old car loan). I currently have £2020 and pay £70/month to Direct Legal Collections who I think are thier collections agency. My question is, can I offer a settlement with a request of a guarantee that the default be removed and once I have paid, would this returned letter stand up with the CRA to actually have it removed from the file? If so is there a template letter anywhere for this or can anybody help me with one Any help would be greatly appreciated Glenn
  3. Thanks Brigadier2jcs, sending a letter to Barclaycard in the morning.
  4. Hi again Silverfox1961, the notice of correction will be a last resort for me as i am trying to get a new mortgage and i know the default will stay and affect me on file. My plan was to try and get the Barclaycard one removed completely then offer Cabot a settlement figure on the guarantee that they remove the default from the other one and mark it settled, it is a REAL long shot but has to be worth a try. Just need help on getting it removed and the best route to take Glenn
  5. Hi, looking for some help I have a default 26/02/09 on my CRA file from Barclaycard which was all correct, the debt was sold onto Cabot Financial so Barclaycard marked it as settled on the same date 26/02/09. Cabot then put an entry on my credit file with the default on the same date but as they are collecting the Debt it is obviously not settled. The default looks like 2 separate defaults on my account (I know they are not but a potencial lender may) Is there anything I can do about this, or is this just the way it is. I sent an Subject Access Request to Cabot and neither them or Barclaycard could provide a signed contract, although i am not disputing i had it, they just sent a blank generic copy. Also Barclaycard have not updated since the default/settled date Any help would be greatly appreciated Glenn
  6. Thanks Silverfos1961, will do that now. Brigadier2jcs, I did not know about CCA/SAR I stupidly assumed that they would have to supply all info with an SAR, so will now have to change my tactics. The_shadow, Barclaycards last update on the file was 26/02/09 the same date as the default and also the obvious 'settled' from Cabot but nothing since so do i still have any rights to get them to take it off, Thanks
  7. Hi, this is my first post. I have a default 26/02/09 on my CRA file from Barclaycard which was all correct, the debt was sold onto Cabot Financial so Barclaycard marked it as settled on the same date 26/02/09. Cabot then put an entry on my credit file with the default on the same date but as they are collecting the Debt it is obviously not settled. The default looks like 2 separate defaults on my account (I know they are not but a potencial lender may) Is there anything I can do about this, or is this just the way it is. Any help would be greatly appreciated Glenn I sent an SAR to Cabot and neither them or Barclaycard could provide a signed contract, although i am not disputing i had it, they just sent a blank generic copy.
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