This is my first post, so hello people.
I had an Egg loan in 2004 (at age 21 - why i was given this in hindsight goodness only knows!) and missed a couple of payments when i lowered my working hours and returned to university. Despite attempting to talk to them about reducing my monthly payments, they defaulted the loan and it was taken over by a different company. I never missed a payment again and settled it a couple of years ago.
Last year i successfully won paid back the personal loan protection money that had been added on to the cost of the loan unlawfully, amounting to nearly £500, for which I was happy to receive.
However, I have now come to realise that the registered default amount is incorrect (containing the unlawful protection insurance) - and am thinking of applying to Egg to remove the default from my credit file in this basis.
My question - has anyone else successfully challenged a default for this reason? I know Egg are notoriously difficult, but have read that this type of technicality can work. Does anyone have ANY advice?