Default help please?

[Rinch05]

Hi all!

I would like to know if I can have defaults removed from my Credit file!

On the Experian credit History Its got a Red 8 indicating; "The account is in 'default'. You failed to keep to your credit agreement and have not responded satisfactorily to requests to bring your payments up to date, so the credit agreement has ended."

I have bank statements showing a payments were made up untill we pertially settled!

I paid partial settlement on both accounts and as I remember was not aware at the time that I would be getting defaults on these debt's

I have two Defaults with the same company Lloyd s bank..

Two years before and up until the time these debts were partially satisfied we had been using NDL Calculator to work out how much we could afford to pay our creditors.

Any help on this would be appreciated!

[maroondevo52]

Hi, Rinch.

 

I'll move this thread to a more appropriate Forum.

 

Regards.

 

Scott.

[Rinch05]

Thanks:roll:

[Rinch05]

I phoned BLS Collections Lloyds and was told that they cannot remove the defaults! Feel as though ive been sucked into the default trap not really knowing if I would be getting defaults or not ! I would have paid the full amount and avoided the defaults if I knew then how much it would effect me getting a mortgage!