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Various DN's help on how to remove


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Is there a guide for DN removal?

Should I contact my previous creditors and ask what dn they have put on my file?

I know of a couple of credit cards that issued DN's on my file and the balances were made up of charges so now I have claimed the charges back the cards have clear balances.

What should I do? I don't want to rock the boat too much as I still have battles going on with a couple of firms.

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  • 1 month later...

Ideally you need to read the CCA http://www.legislation.gov.uk/ukpga/1974/39/contents and pay more attention to the default and termination section. Then as only you would know the most about your dealings with the various creditors, you can apply what you have read and understood to your creditors. Some embarassing mistakes that have been made by others;

1. Do not quote the CCA for any mobile, land line etc as it isnt regulated by it.

2. Do not send any demands that other people make on this forum unless the case and circumstance apply to you fully.

3. You MUST talk about hardship recieved with the default being placed but do not make it a sob story, just writing that it is causing hardship is enough.

4. If the defaults are not paid dont bother wasting time asking them to stop processing your data.

5. Try and find mistakes on their part.

6. IF THEY CHARGED YOU FOR A DEFAULT NOTICE THAT IS AGAINST THE ACT AND CAN WORK IN YOUR FAVOUR.

 

Overall my advice is get familiar with the act, SAR everyone and find as many mistakes as you can. If you havent paid the debt then they will not entertain your demand unless they made huge errors.

˙os op oʇ pǝʞsɐ ssǝlun ǝƃɐssǝɯ ǝʇɐʌıɹd ʎq ǝɯ ʇɔɐʇuoɔ ʇou op ǝsɐǝlԀ ˙pǝɹnɔɔo sǝssol ʎuɐ ɹo ǝɹnlıɐɟ ɟo ʇlnsǝɹ ɐ sɐ ǝlqɐıl plǝɥ ǝq ʇou llɐɥs I ˙llıʍpooƃ ɟo ǝɹnʇsǝƃ ɐ sɐ os ǝuop sı uǝʌıƃ ǝɔıʌpɐ ʎu∀

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