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Several Satisfied Defaults by catalogue companies - need removing?


lammy169
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Hello

I have 2 x Satisfied defaults on my credit file registered 2010 settled 2012 both are marked as satisfied.

 

They have the wrong date of birth on them( just one day out).

They were accounts taken out in my name by my ex wife.

 

I do not want to go down the fraud route but the accounts were not opened by me have incorrect information.

 

After i got divorced i noticed all the debt I had been left in due to my ex hiding bills and not paying stuff etc..

 

. I have asked the company JD Williams to remove these defaults and explained the situation they will not remove them.

 

These are the last 2 items of adverse i need to remove before I apply for a mortgage

 

I have now gone down the route of if they are my defaults where is the credit agreement and I have sent the necessary letter requesting copies of the original agreements.

 

If as I suspect they cannot provide these documents can I ask them to remove the defaults?

without a credit agreement how can there be a default.

 

Also worth noting I settled the defaults earlier this year thinking I was doing the right thing.

Any advice?

Thanks

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Settled/satisfied default entries will remain for the remainder of the 6 year default ''life''.

The company (JDW) are correct the entry reflects the accurate conduct of the account.

Unless you take the fraud route therebis little you can do.

who are you requesting CCAs from.

You have already admitted liabilty for the debts by making payments, so agreemnts now are irrelevant.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Thanks for the reply I have requested CCA from JD williams. It is worth pointing out that last month they deleted an Unpaid default from my records due to 'selling on the debt' I have asked them if these were sold on and if they can delete these in the same way I am yet to recieve a reply.

Thanks

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The new owner of the debt is obliged to update the CRA file with their data BUT the default date MUST remain the same.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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So if they sold these debts on and they are satisfied what is the issue with JD williams removing them? It could buy me a couple of weeks to get a mortgage application in before the new 'owner' registers a satisfied default if they could be bothered I couldnt see why they would as they are satisfied.

The one they deleted last month has not reappeeared on any of the 3 agencies reports??

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Even if these defaults are removed mortgage lenders look increasingly for much longer periods of good++ credit management often 4-5 years rather vthan the usual 3 years, your mortgage app will fail.

The one remove will reappear without doubt!

 

CRA entries must reflect the accurate and upto date conduct of accounts.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Sorry to disappoint you, but it's best you know what goes on, mortgage apps are at the most difficult point now and any small problem will lead to rejection.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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theres little point in sending CCA requests on satisfied/closed accounvts

 

the agreements are done they no longer exist.

 

have you got the statements for this lot?

 

JDW/SD are notorious for levying £12 PENALTY fees like confetti.

 

if the defaults [setlled or outwise]

were SOLELY caused by their £12 PENALTY charges [late/over/letter/phone call/det advice]

 

ten if you reclaimed these charges

 

the defaults MUST be removed.

 

dx

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... 

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Ask your MP to help revise legislation ASAP.

 

It's unfair that you'll end up paying much more for a home (assuming you'll still be able to afford it) when you've done what you can to rectify your credit rating.

 

There'll be plenty more folk in this situation as they find their feet following the recession.

 

The malice stinks.

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hey thats great

 

now all we need to for the mobile phone companies to take a leaf out of

their book too.

 

dx

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... 

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hey thats great

 

now all we need to for the mobile phone companies to take a leaf out of

their book too.

 

dx

 

Hey! Result!

How did you do it?

I'm in the same boat with Scottish power.

They messed my bill up and I was signed up by a third party.

They defaulted me over a final bill.

What arguments did you use- sp refused to remove it too.

I'm looking for the next step.

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SP have so far refused to remove the default as they are insisting it was registered correctly.

 

JD williams are the ones who removed them.

 

SP have made me pay the FULL amounts outstanding and marked as satisfied but are so far refusing to budge.

 

One thing I am now trying with them the default notice was for £534

they said I only owed £414 nothing was paid to them from default date to payment date (£414 now Paid in full)

but my credit file said I only owed £117,

this is before they update it to settled on 28th Nov.

 

The only thing I think I may get out of them is the default amount to be reduced to 414 from £534 as sub £500 defaults registered are better than over £500 defaults once satisfied.

 

I cant seem to get SP to show any leniency on this

 

I have explained I did not remove my supply from them it was done without my knowledge

and I never saw the default notices as the post was hidden from me by my EX.

 

If anyone has had any joy with SP let me know

Thanks

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