CO-OP default please could someone help me out!

[junior232]

Hi,

 

I am trying to sort out a co-op student account which i have been defaulted for.

 

Basically i had a student account and it was closed within the first year of use due to not enough payments being made into the account. I was first contacted by a debt collection agency called phoenix who i arranged monthly payments for in june 2007. I was currently still a student and going into my second year at university in sept 2007. I couldnt afford the payments and stopped making the monthly payments in october 2007, and i didnt hear anything about the debt until feb 2008 from a differnet debt agency called fredricksons who i now have a monthly payment arrangement of £10 per month.

 

I checked my credit file and there has been a default put on my file in december 2007. I am quite positive i wasnt sent any letters stating i would default my account or a default would be put on my credit file, if i did receive this letter i would have done something about it, i have read around and im sure they have to give you time to respond before putting a default on. Would there be a chance i could get this removed?

 

Any help will be greatly appreciated on this matter, i wouldnt be so bothered about my credit file but most jobs relating to my degree require credit checks and i have been rejected for all the jobs i have applied for due to my credit score. I only have the one default from co-op, its really depressing me and it just seems all my hard work i put in for 3 years has gone to waste.

[silverfox1961]

Hi,

I take it this was an overdraft?

 

The only advice I can give is to SAR the CO-OP and get an account history to see if they did default you and also to check to see if letters were sent.

 

If it shows that no letters were sent then you may be able to get the default removed but to be honest, it's like pulling teeth. The banks just love having this 6 year hold on you

[junior232]

Hi,

 

Thank you for replying back.

 

I checked my credit file recently and an default has been definately applied to my credit file by CO-OP i cant remember if it was CO-OP or the debt collection agency who put the default on, i will check it agian.

 

What if the bank or the debt agency did not send out a letter, what can i do?

 

I am prepared to what ever it takes to get this removed so i dont mind how long it takes, im pretty much screwed jobwise so an extra few months unemployed wont make a difference to me.

[silverfox1961]

It would have been the co-op that put the default on your file but when a debt is sold (rather than the DCA collecting on behalf of the co-op) the new owner of the debt will replace the co-ops name with their own.

 

If it can be proved that the co-op didn't default you, you can then start the formal complaints process

[junior232]

How could i go about proving co-op didnt default me?

 

I can remember getting a phone call from phoenix debt collectors and i setup a monthly payment arrangement. On the same day i setup the payment arrangement i went into co-op bank and asked why my account was closed they basically said not enough payments were made into the account and it was phoenix who were dealing with my account.

 

5 months later the default was placed on my file so im pretty sure it was phoenix, but im not sure if phoenix debt collectors are with co-op or if they are allowed to put a default on my file. if they are not allowed then i think i do have a case.

[junior232]

I have checked my credit file agian and it shows the default under co-op but the new company fredricksons are not displayed anywhere also phoenix is not displayed anywhere,

 

If i subject access request them and co-op did put the default on, would i be able to request a copy of the default notice?

 

i have heard you cant request a copy anymore?

[silverfox1961]

Default notices are system generated and they very rarely keep a copy so all they do is to make a note on the customers file that a DN was issued. This would show up on screenshots of your account when they send you the data from your SAR (assuming they send it all)

[junior232]

Wouldnt it be better to ask for a copy of the default notice?

 

Would a standard sunject access request template for bank statements be ok to send?

[silverfox1961]

I think this one would be better.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

[junior232]

Thank you for your help silverfox i appreciate it. i will be sending this letter first thing in the morning and will post back any responses from co-op.

 

Could you tell me the address to send this letter to please?

[silverfox1961]

this is the only one I could find

 

What is the Head office address of The Co-operative Bank?