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Hi, this is my first post so please feel free to correct me if I am following the correct etiquette.

 

A long term relationship ended in 2008 which left me with a large amount of debt, some of this debt was ignored until it caught up with me over the last two years, I have now paid off all these debts but the defaults are still hanging over me, they are dated Sep 2008 and 2 of them for Dec 2008. I understand they will be removed from my credit report next year. Other than these items my credit report shows no late payments. I have no CCJs.

 

After my relationship ended, I moved away and left no forwarding address, I am sure the companies concerned would have served default notices, but I never received them. Is there anything I can do to legally get these defaults removed. I have written to Cabot and Lowell (the DCAs) but they have ignored my letters.

 

I am applying for a mortgage soon, but feel it is a pointless exercise until 2015.

 

Thanks for your help

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