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Some advice I have had for default removal so I am storing it here.

 

Best advice is..........

 

If your CC default is from an account started prior to April 2007, then there is a very good chance the agreement did not meet the terms specified in Schedule 6 of the Consumer Credit (Agreements) Regulations 1983. Write to the head of Customer Relations and ask them to substantiate where your agreement complied with this. Tell them that if they cannot substantiate that the agreement met this legal requirement, then you consider the total agreement to be unenforceable in law and you must insist that all adverse credit file information must be removed immediately, or you will commence legal action to rectify the situation. I am presuming you have already done a SAR to get a copy of your original signed agreement, if not, do that first. If your default is after that period, then there is currently nothing I am aware of that is proven to overturn it. If your agreement is prior to April 2007, then you may be best getting a specialist company on the case, but there will be fees to pay. I use creditclearservices.co.uk, one of the frontrunners in this field, but be aware nothing happens fast. I have two cases with them both proven to have unenforceable agreements yet I am still waiting for their solicitors to start proceedings, I am in my 13th month with them.

 

I attach the template as a last resort, but this has been around a long time now and has been well hammered. It has worked for me and others, but it is not 100% successfull. There is NO certain method of removing a default, there are just too many variables, different lenders have different policies etc, you just don't know what may work. I have had one removed with just a simple sob story letter, some are taking me all the way to Court, so you just don't know. Best of luck,

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PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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