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Help with clearing defaults from credit file


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Hi All,my sister just got turned down for her first mortgage due to 2 fairly recent defaults (last 2 years).Now shes pretty sure she never got these default notices (1 natwest & 1 santander) and both of these are more or less made of bank charges.She lives with my mum and the address although it's a house comes up as a flat for a reason so they don't always get their post.Would she have a case to have them removed on the basis she never rec'd them?Many thanksLisa

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unfortunately not, a default can be placed on your credit file without issuing a default notice

 

normally you would expect a default to be placed within 6 months of the last full payment made towards the debt

 

the default will last 6 years

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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