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Removing defult SAR defult notice confusion

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I'm getting all in a muddle.


I read its possible then I read the oposite


Basically I sent SAR to halifax and egg. Both packs came back and both were missing the defult notices that appear to be the key to success in removing defults


My phone call to halifax yesterday suggested she will only send templates and Basically I had terms and conditions so the defult notice wouldn't matter anyway


Can you get defults removed or is it pipe dream?


They were dated 2010 when I was out of work and too young/inexperienced to know that mistakes made now would cost me so much in future. (Trying to move home)


Any help would obviously be amazing and any more details you may need ill add.


Thanks gyus

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It is not required that they keep copies of default notices sent. However, there should be a record of them having done so on their Diary of Events/Communication Log.


A template actually means nothing becuase they could make it that the content is correct (although very likely the original would not have been) ?


I am not quite sure what she means by "it doesnt matter about default notices becuase you had the original terms and conditions " ??


Sadly if the default was first recorded in 2010, it will likely be 2016 before it drops off your Credit files.


You would only be able to get it removed if it was recorded incorrectly :(

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Wow your quick.


This is where I get mixed up.


All advice I've seen says send a SAR and if defult notice is missing it means debt is unenforceable so you can get them to remove the default. I have got credit report and rather worryingly I have green question marks followed by 8 in red circle. Why would I have green question marks on payment history ...either they keep file upto date and they know what's going on or they don't...


Ill get photos up later so you can all see for yourself


I've seen tons of templates that suggest missing defult letters are key...but if they aren't legally obliged to keep them then why send petter at all?



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