default on credit file

[majorblow]

Hello,

 

How do i get a default on my credit file removed?

 

Date of default was 29/06/2009 for the amount of £3600.

 

Default lodged by Lowell.

 

Default lodged on Noodle.

 

The original account was opened in 4/2005 (can't remember the original lender but still searching)

 

Its now past 6 years since this default has been on my credit file and i feel it should be removed. I have not made any payment whatsoevere to either the original debtors or Lowell. In fact, i can recollect the last time i made any payment towards this debt - must have been well over 8 yrs ago.

 

How do i go about getting this default off my credit file completely?

[WindySock]

Should already be gone, but Noddle won't show that until your next update on their report becomes available. You only get a refresh/update with Noddle once per month so you have to wait until the date of that to come around before you can see that defaults have dropped off.

[fkofilee]

Who was the original OC? What does the Default date for Lowell say?

[AndyOrch]

Thread moved to the correct forum.

 

Regards

 

Andy

[majorblow]

To be honest, i don't know who the original OC is. I have gone through my document twice and i can't find the acct number that matches the one provided by Lowell.

 

The default date for Lowell say 29/06/2009.

 

My noodle update is in 5 days.

[WindySock]

Should in theory be gone when you get the update then.

[majorblow]

Received letter from Lowell yesterday proposing i can settle "their" case by paying £900.09 as a final settlement instead of £3600. That they can not pursue the case in court as time to do so has elapsed. So, they are offering me the opportunity to clear the debt in one go basically.

 

How can i make them go away forever?

 

Still waiting for noodle update.

[WindySock]

It's Noddle, not Noodle.

 

Either

 

* ignore the idiots, or

 

* tell them that due to the time elapsed you will not be paying it, and under CONC part 7 you will report them to the FCA if they continue to demand payment or contact you.

[majorblow]

Default now removed from noddle.

[WindySock]

Exactly. Had in reality gone already, but Noddle only picks up changes once per month so you could not see it drop off until the next scheduled update.