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Morning.

Im new to the site and looking for help.

 

I took a look at my credit file found that

 

i have 4 defaults which you can see below.

They are for small amounts and i want to start the task of trying to get them removed by paying them off in full one at a time.

 

Could someone please advise if i stand much of a chance with this? And as to where ill maybe start.

 

Had my head buried in the sand and want to get back on track,

thanks in advance.

 

The close motor finance default was for last payment on a 48 month deal,

thought it was finished and canceled DD..gutting!!

 

 

 

 

vanquis credit card

Date of Birth Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance£ 337

Start Balance£ 0

Credit Limit£ 0

Default / Delinquent Balance£ 427

Start Date18/05/2011

Date Updated13/11/2012

Date Last Delinquent

Date Satisfied

Default Date30/04/2012

Payment Amount

Previous Statement

Balance Cash Advance

Amount

Number of Cash Advances During Month

Credit Limit

Change Minimum Payment?'''

 

 

 

Communications Supplier from Lowell Portfolio 1 Ltd (I);;

 

Name

Date of Birth Terms

0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance£ 317

Start Balance£ 0

Credit Limit£ 0

Default / Delinquent Balance£ 270

Start Date08/05/2009

Date Updated26/03/2012

Date Last Delinquent

Date Satisfied

Default Date04/06/2010

 

 

Hire Purchase from Close Motor Finance Limited (I)

Name

Date of Birth

Terms48 @ £ 0 (Monthly

)StatusDefaulted

Current Balance£ 193

Start Balance£ 0

Credit Limit£ 0

Default / Delinquent Balance£ 193

Start Date02/12/2004

Date Updated04/03/2009

Date Last Delinquent

Date Satisfied

Default Date24/02/2009

 

Credit Card from Capital One (Europe) Plc (I)

Date of Birth

Terms0 @ £ 0 (Monthly)

StatusDefaulted

Current Balance£ 643

Start Balance£ 0

Credit Limit£ 200

Default / Delinquent Balance£ 643

Start Date09/09/2004

Date Updated06/04/2010

Date Last Delinquent

Date Satisfied

Default Date22/03/2010

Payment Amount£ 0

Previous Statement Balance£ 590

Cash Advance Amount£ 0

Number of Cash Advances During Month0

Credit Limit ChangeNo Change

Minimum Payment?

Promotional Rate;No

Edited by jasonrnewton
layout again

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unless you can prove the defaults were not a true reflection of your use of the A/C's

 

[i'e' penalty charges etc]

 

you'll have a very hard job in removing them.

 

paying will make no odds

 

they would still show for 6yrs from the default date

 

regardless to a settled marker on the actual A/C

 

dx

 

 

dx


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Thanks for the reply Dx. Not sure i understand what you mean about penalty charges?.

 

Is there much chance appealing to there better nature once paid in full .requesting default removal as the amount is small and ive learnt by my mistakes?

 

Once again thank you for the advise..ja

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iF you were levied a 'penalty' because you say missed a payment & that was the sole reason for the 'default'

then you could argue that was unfair and should be removed if you reclaim the penalty charges.

 

if you offer to settle the debt

it MUST be on the sole condition that

ALL neg data is removed and the debt marked as SETTLED not PARTIAL settlement.

 

as for the debt with lowlife.

 

they would have brought the debt

 

so that one might be easy to cure.

 

just remember

everything in WRITING

 

 

never discuss your debts on the phone

 

dx


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Thank you again Dx a great help.

 

Where do i start in writing to them?..Sorry to sound quite so helpless with it all but would like to approach this in the right way from the get go..

 

Many thanks ,,ja

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Hi,

 

If you don't have statements for your accounts you would have to send a Subject Access Request to the origional creditors of each debt, this will show you how much has been added to the debts re: charges ect which can be reclaimed.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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At best if the balances are paid off in total is that the creditors will mark the files as satisfied and the entry remains for the balance of the 6years, unless as dx100 said there is a very good reason for challenging the results.


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Thanks Guys...Ok im going do the SAR letters..How would i find out who the original lowlife debt was to? i dont have the paperwork now

 

Thank you..ja

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How would i find out who the original lowlife debt was to? i dont have the paperwork now

 

 

Mentions it's a Communications Supplier, does this not ring any bells, I'm not sure it's worth sending the SAR for that one could be a waste of a £10.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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It's a mobile phone company by the looks of the entry.


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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Thanks maroon...So should i just write to lowlife offer to settle if they remove the default?

 

As said unless you have a valid reason for removal eg the debt is entirely charges, or the default was placed late all the creditor/DCA can do is mark as satissfied.


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!

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Thank you..Yes i understand,,maybe i should find who the original creditor is and send a SAR to infact see if the default was placed late?,,,ja

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The Information Commissioners Office in their technical Guidance that ''defaults should be placed timely, usually within 6 months of the cause of action'' and that

 

''If a default sum consists of ''charges without which the account would not have defaulted, NO default should be placed''.


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!

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I see,,so really not to much can be done with that one i take it..Whos decision would it be to remove the default if infact it could be..lowlifes or the original comms company?

 

Many thanks..j

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If the debt has been sold to a DCA/debt purchaser the have the same obligations to report the conduct of the account in accordance with the original agreements terms and conditions, which will include reporting an accurate and up to date picture of the conduct of the account to credit reference agencies.

 

So if a properly placed default entry is made and the default is satisfied that is what must be reported.


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!

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Thank you so much for the advise guys..Im going to go away and do the SARs for the two credit card defaults and take it from there..I may have to call on your wisdom again once the SAR has been replied to.

 

Once again thank you all...ja

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Hi,,should i send the SAR to the customer services address for both Vanquis and also Capital One?

 

Many thanks

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Hi,,should i send the SAR to the customer services address for both Vanquis and also Capital One?

 

Many thanks

 

Hi,

 

Site Team member ims21 has advised using the registered office addresses..............

 

Capital One (Europe) plc. Registered Office: Trent House, Station Street, Nottingham, NG2 3HX.

 

and

 

Vanquis Bank Ltd : No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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mark it FAO: THe Data Controller.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Addressed to the DATA CONTROLLER.


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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