Aktiv Kapital... They just want to help!!!

[cariad mo brwydrwr]

Also, just found this on Experian website:

We keep a record of defaulted accounts for six years from the date the lender decided you had broken the terms of the agreement (the ‘defaulted' date). The lender will have told you that the account was to be classed as being in default.

 

Is that wrong? I'm confused:confused:

[cariad mo brwydrwr]

Please, please can anyone advise what I should do???

[harrassed senior]

I know it is no help, but I too am trying to get a default removed in similar circumstances and Experian are telling me that the Default will remain on my file for 6 years from the date it is dated!! Several of my accounts are closed, written off, satisfied etc. but will show these defaults for the next 3-4 years.

[craig2280]

Follow the advice previously and send the Letter Before Action. Give them 14 days if no joy then file a court claim. They have ignored your previous requests and so continuing to send letters asking them to stop wont work.....sue them!

[JonCris]

They are talking rubbish A debt becomes time barred 6 years after contact & NOT default.

 

Think about, if it was from the time of default creditors & DCA's could (& most certainly would) lodge a default at anytime during 5 years & 364 days post last contact to restart the whole 6 years again

[diddydicky]

i think you are being too elborate i would write thus:-

 

i refer to your letter of and our subsequent telephone conversation of XXX

 

I confirm i know nothing of this debt and am not prepared to discuss the matter any further with you

 

all future correspondence will be ignored

 

kindly put up or shut up!

[cariad mo brwydrwr]

Thanks all..... OK, so I will send a LBA to request the removal of these defaults within 14 days. When the 14 days are up (and they've no doubt done nothing about removing them) do I then file some sort of claim against them? What would this entail please?

 

Incidentally, I've recently requested 02 remove a late payment marker from my file as it was a fault of theirs not mine that a payment was late. They changed it within 24 hours, without needing any "evidence" from me of my credit file, and now everything is showing as up to date. So this just goes to show that AK are talking complete rubbish when they say they can't make any changes without me sending in a copy of my file.

 

I still fuming with them:mad:

 

Also, should I be asking the CRAs to remove the defaults as well? Experian certainly seem to be barking up the wrong tree as far as dates are concerned. I feel so helpless, they all seem to be colluding to say whatever they like about me and blackening my name in the process. None of them care or are willing to do anything about it.

Edited April 9, 2009 by cariad mo brwydrwr
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