Default Removal, any help appreciated

[Gezza2k]

Hi, Im trying to get a settled default removed from my credit file but am stuck and need some advice.

in 2003 i opened an account with Argos Additions and In 2006 i lost my job and was unable to keep up repayments.

The debt then was passed from 1 collection agency to the next and eventually went quite untill 2007 when i got a letter from Fredrickson International, aka Brian Carter solicitors, where i setup a repayment plan which was settled a few months ago.

I know i didnt sign any credit agreement and cant find any letter informing me about a default notice. No default was placed on my file until i setup a repayment plan with frederickson int in 2007.

I sent them a letter saying exacly that, to a responce of the following.

To confirm, this Argos Additions account was started 18/05/2003 and defaulted 28/06/2006. The catalogue would have been the company who issued the default notice to you. We took over management of the account on 30/04/2007 and have noted and recorded on your credit file that the account has now been paid in full. We, however, cannot remove the notice of default, this will remain on the account for six years from the date of default, as stated by the catalogue.

If however you wish to dispute this we will need it in writing to further query with Argos Additions directly. Additionally if you are requesting a copy of the signed credit agreement, this is also needed in writing.

If you wish to discuss this further we can also be contacted on 08458396323 or by post PO Box 650, Weybridge, Surrey, KT13 3EN.

I hope this helps in resolving this issue.

Any ideas where i go from here? any template letters ect.

Thanks Gez

[42man]

Hi Gezza and welcome to the CAG forums....have a look at the links in this thread (also did you ever reclaim the excessive penalty charges on the account ?) - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/164356-lowells-again-9.html#post1907382

[Gezza2k]

hi m8, thx for replying ill have a read through that thread.

 

Do you think i should send them a letter requesting the cca and the default notice? also am i right in thinking if they dont have a signed cca i can get the default removed?.

 

Thx