Thanks again Maroon

Hi,,should i send the SAR to the customer services address for both Vanquis and also Capital One? Many thanks

Thank you so much for the advise guys..Im going to go away and do the SARs for the two credit card defaults and take it from there..I may have to call on your wisdom again once the SAR has been replied to. Once again thank you all...ja

I see,,so really not to much can be done with that one i take it..Whos decision would it be to remove the default if infact it could be..lowlifes or the original comms company? Many thanks..j

Thank you..Yes i understand,,maybe i should find who the original creditor is and send a SAR to infact see if the default was placed late?,,,ja

Thanks Brig,,it rings a bell excuse the pun!!!!

Thanks maroon...So should i just write to lowlife offer to settle if they remove the default?

Thanks Guys...Ok im going do the SAR letters..How would i find out who the original lowlife debt was to? i dont have the paperwork now Thank you..ja

Thank you again Dx a great help. Where do i start in writing to them?..Sorry to sound quite so helpless with it all but would like to approach this in the right way from the get go.. Many thanks ,,ja

Thanks for the reply Dx. Not sure i understand what you mean about penalty charges?. Is there much chance appealing to there better nature once paid in full .requesting default removal as the amount is small and ive learnt by my mistakes? Once again thank you for the advise..ja

Morning. Im new to the site and looking for help. I took a look at my credit file found that i have 4 defaults which you can see below. They are for small amounts and i want to start the task of trying to get them removed by paying them off in full one at a time. Could someone please advise if i stand much of a chance with this? And as to where ill maybe start. Had my head buried in the sand and want to get back on track, thanks in advance. The close motor finance default was for last payment on a 48 month deal, thought it was finished and canceled DD..gutting!! vanquis credit card Date of Birth Terms0 @ £ 0 (Monthly) StatusDefaulted Current Balance£ 337 Start Balance£ 0 Credit Limit£ 0 Default / Delinquent Balance£ 427 Start Date18/05/2011 Date Updated13/11/2012 Date Last Delinquent Date Satisfied Default Date30/04/2012 Payment Amount Previous Statement Balance Cash Advance Amount Number of Cash Advances During Month Credit Limit Change Minimum Payment?''' Communications Supplier from Lowell Portfolio 1 Ltd (I);; Name Date of Birth Terms 0 @ £ 0 (Monthly) StatusDefaulted Current Balance£ 317 Start Balance£ 0 Credit Limit£ 0 Default / Delinquent Balance£ 270 Start Date08/05/2009 Date Updated26/03/2012 Date Last Delinquent Date Satisfied Default Date04/06/2010 Hire Purchase from Close Motor Finance Limited (I) Name Date of Birth Terms48 @ £ 0 (Monthly )StatusDefaulted Current Balance£ 193 Start Balance£ 0 Credit Limit£ 0 Default / Delinquent Balance£ 193 Start Date02/12/2004 Date Updated04/03/2009 Date Last Delinquent Date Satisfied Default Date24/02/2009 Credit Card from Capital One (Europe) Plc (I) Date of Birth Terms0 @ £ 0 (Monthly) StatusDefaulted Current Balance£ 643 Start Balance£ 0 Credit Limit£ 200 Default / Delinquent Balance£ 643 Start Date09/09/2004 Date Updated06/04/2010 Date Last Delinquent Date Satisfied Default Date22/03/2010 Payment Amount£ 0 Previous Statement Balance£ 590 Cash Advance Amount£ 0 Number of Cash Advances During Month0 Credit Limit ChangeNo Change Minimum Payment? Promotional Rate;No