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hillesden default removal


glennjreeve
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HI,

 

I have sent a CCA to Hillesden Securities and they have returned a Signed copy all good.

They registered a default against me on 05/12/2006 for a debt of £4,414 (an old car loan). I currently have £2020 and pay £70/month to Direct Legal Collections who I think are thier collections agency.

My question is, can I offer a settlement with a request of a guarantee that the default be removed and once I have paid, would this returned letter stand up with the CRA to actually have it removed from the file? If so is there a template letter anywhere for this or can anybody help me with one

 

Any help would be greatly appreciated

 

Glenn

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you can make the offer. but, if the default is legit then it would prob be unlikely that they will remove it.

if able to offer a full and final, could consider making a reduced one in settlement. but note that they may then mark it is 'partially settled'.

Edited by Ford

IMO

:-):rant:

 

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Thank you,

 

Yes the default was legit, but being so close to it coming off of my file I am a bit unsure what to do. Would I be better to pay the £70 a month, wait until the default comes off of my account (which is approx 6 weeks) and then settle the account as this would show an un-defaulted account being settled?

 

Thanks again

 

Glenn

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