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makerorbreak

who do write for the credit agreement

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Having been given various advice I have decided to take the bull by the horns and get my satified defaults removed or should I say TRY! . Just a quick question my debts were passed to debt collection agencies so who do I write to to ask for the credit agreement and default notice do i ask the collection agency or the original company. Also these defaults were from 2006 I have seen that it is more likely that banks didnt keep the correct paper work back then is this correct or just rumour ?

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Having been given various advice I have decided to take the bull by the horns and get my satified defaults removed or should I say TRY! . Just a quick question my debts were passed to debt collection agencies so who do I write to to ask for the credit agreement and default notice do i ask the collection agency or the original company.

 

Have a read of this thread on how car2403 dealt with this problem -

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/110146-car2403-hfc-bank-default.html

 

 

Also these defaults were from 2006 I have seen that it is more likely that banks didnt keep the correct paper work back then is this correct or just rumour ?

 

It think you may be referring to the Agreements.

 

It would be more than likely they would have the correct paperwork but there are some instances of companies that do not.

 

 

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Hope this helps.

 

Thanks for this . I know my chances of getting them wiped off are slim but its so frustrating as i cant get a mortgage and my financial situation has completely turned around now the financial world is crazy . I assumed wrongly that when i paid it off that would be job done how wrong i was

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makes me want to bang my head aganst a brick wall also do satified defauls still come off your record after six years from the date of issue or the date it was satisfied have got mixed messages

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hi are satisfied defaults removed 6 yeasrs after the default was issued or 6 years after it was settled when it was issued i hope

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Six years from when it was first registered. So if it is marked as 05-05-00 it will drop off 05-05-06


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Six years from when it was first registered. So if it is marked as 05-05-00 it will drop off 05-05-06

 

thanks for your reply I had read somewhere that it was 6 years from date its settled and that panicked me even more phew at least its from the date it was registered. Im going to try and get them removed doubt i will but ill keep you informed if i do

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