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Remove Settled Default?


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Hi

Sorry if this question has been asked before, have had a hunt but can't seem to locate anything specifically relevant but if anyone can point me in the right direction.......

 

I have a default settled with Next PLC showing on my file. I'm aware there is a potential way to get deafults removed from credit files by requesting the lender provides proof they filed a notification of default - but I also read something about there being a possibility of asking them to remove it under data protection and that you have only agreed they can share data for the duration of the agreement etc

 

Does anyone have any further information about this please?

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Hi

Sorry if this question has been asked before, have had a hunt but can't seem to locate anything specifically relevant but if anyone can point me in the right direction.......

 

I have a default settled with Next PLC showing on my file. I'm aware there is a potential way to get deafults removed from credit files by requesting the lender provides proof they filed a notification of default - but I also read something about there being a possibility of asking them to remove it under data protection and that you have only agreed they can share data for the duration of the agreement etc

 

Does anyone have any further information about this please?

 

The truth is that once the account is settled there's little incentive for them to remove the default. Primarily the reason I have had so much success is that I made is a condition of the settlements that the default be removed.

 

You can try the S.10 notice to get them to stop processing your data or you can try going down the "no default notice" route but in reality they will have received so many of these by now that they will simply decline it.

 

Only real option is court action, i'm not aware of anyone as yet who has brought a creditor to court under the S.10 or "default notice" route though... not that it would not work, just nobody as far as i'm aware has taken it that far as yet.

 

Sorry that is not of much help to you, have a read of the thread posted just yesterday regarding CRA's and what the Information Commissioners Office says (on the experian website) regarding default's.

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/148780-experian-final-battle-commences.html

 

.

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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The truth is that once the account is settled there's little incentive for them to remove the default. Primarily the reason I have had so much success is that I made is a condition of the settlements that the default be removed.

 

You can challenge it under the CCA and the DPA, so it is worth doing - as the account is settled, they have less incentive to dig their heels in, rather than simply say no;

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/111211-defaults-background-removal-methods.html

Always happy to help where I can!

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Hey Purpley, could you keep us posted on this one? I'm in exactly the same boat - paid off my debt 12 months ago - I've asked 1st Credit for a copy of my CCA (to which they replied this could take like 8 weeks), and am still waiting. That was 5 weeks ago. I know they are now in breach of the length of time to get the copy to me, but I don't know if that's enough to get the default removed.

Thanks

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Hi

I've spoken to Experien and stamped my feet some, although obviously it may do zero good if Next refuse to remove it. They've added a note to my file stating it's under dispute and should not be considered when evaluating credit worthiness until Next reply. Will wait and see......

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