Jump to content

Can a credit card default be removed

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3621 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

ppi/unlawful charges/unen paperwork?


fear of counter claim?


we really need more info on the situation regarding the default to be able to comment properly


if you COULD prove the default was SOLELY down to unlawful charges

and they got refunded

then there have been instances whereby the default can then be demanded to be removed and have been



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

There is only one way to get the default removed and that is to get the bank/credit company to agree to remove it!


Speak to them and offer to pay the balance or a large amount of it if they agree to remove the default, all they are interested in is their cash, you will have to give them a good reason why you failed to pay them in the first place … wife/husband run off with the milkman lost you job Ect.


If they agree tell them you will pay them on receipt of a letter confirming what they agreed


But as in the above post if the default is the result of disputed charges then this puts a different spin on it

The reason most creditors don’t apply for a CCJ is the cost and not the liability of the individual …

Edited by cletus1
Link to post
Share on other sites

The latest on this is a request for an itimised statemnt and how they arrive at the balance. All they keep sending is the amount of interest but not how it has been worked out and they show charges but not how that has been worked out. They threaten applying for a county court judgement but if an SAR has been sent, are they likely to apply for that judgement while unanswered questions remain ? Many thanks for any assistance..

This was posted on the wrong thread. Could someone transfer it to the thread 'When does a loan becone stature barred' Many thanks.

Edited by Consumer dude
wrong thread
Link to post
Share on other sites

Well in reality nothing will stop them applying for a summons, however this would need to be backed up with the paperwork you have asked for, the court would not accept an end figure, they would need to prove that you this sum.


When did you submit the SAR request, did you send it recorded delivery and have they acknowledged receipt?

Link to post
Share on other sites

  • 3 weeks later...

Have we helped you ...?         Please Donate button to the Consumer Action Group


Uploading documents to CAG ** Instructions **


Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first


1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read





2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS


Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.



Link to post
Share on other sites

  • 1 month later...

You have the upper hand when the debt is paid as banks do not have the right to process your data once the account has closed and the relationship has ended. When you open your account it states in the terms about the bank sharing information with a credit reference agency, You are basically allowing the bank to let them pass your account details to the CRA's and once the account is closed the document is terminated.

˙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∀

Link to post
Share on other sites


  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...