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Hi all,

 

I stupidly used Quickquid for payday loans last year and defaulted on the payments. I am now being chased by ARC for the outstanding money and two defaults have been registered against me on callcredit. I am happy to pay the money back, I was wondering if there is any likelihood of being able to get the defaults removed? The two defaults are for £160 and £660. They were defaulted very quickly after they started:

 

for the £660 (from callcredit report):

Account opened 12/10/11

Account defaulted 09/01/12

 

for the £160:

Account opened 07/09/2011

Account defaulted 12/12/2011

 

Both debts still appear on callcredit as owned by Quickquid, but when I spoke to quickquid they said the debt has been passed to ARC, the american at quickquid didnt seem to understand when I was asking if ARC own the debt now or if they are acting as agents for quickquid. As I understand it third party collectors are more likely to strike a deal to remove the defaults on full payment??

 

I will do anything possible to get the default notices removed as my credit record was just getting back on track when I did this, and this will now ruin my credit for the next 6 years (well just over 5 now).

 

Any Advice?

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Not sure if the defaults CAN be removed. The CRAs will argue that information recorded on your files has to be true to indicate to future lenders your credit worthiness.

 

I'm sure once you pay the debts they will be marked as 'settled', I know this probably isn't what you want to hear but I think you'll be stuck with your defaults I'm afraid.


It never rains but it pours...

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are there any loopholes I can exploit - i.e. get them to send copies of all paperwork and the default notices to check for any mistakes?

 

Just to be clear I am not trying to avoid paying, just to not have this ruin my credit for the next 5 years!

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Hey krayg.

 

Mmmm loopholes... You could try requesting the CCA. I did this with QQ, and they sent it to me, so, I really don't think there are any loopholes to exploit.

 

I share your frustration about having a trashed credit file, mine is in a state also for another 5 years. Hopefully though, everything on there should be marked as settled now. I know that's a small consolation...


It never rains but it pours...

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