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Default removal is it possible - opus credit card

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Hi all


In Aug 2013 I called up my credit card provider( opus ) to ask them

if they could reduce payments on my credit card account as I was unwell and would be off work for a year,



about two weeks later I got a letter from them stating that the remainder of my balance had been written off

and they now considered my account closed and will not be pursuing me for the debt.


I never asked ask them to do this but was extremely grateful

although a bit surprised any ways 3 years down the line

I checked my credit file and see they have actually defaulted me,



I called them to ask them if they could remove the default

but they refused saying the debt was not written off,

they just decided not to collect it


I stated to the operator that I had a letter stating clearly that the debt was written off

and the account closed however he was unable to help any further



is there anyway I can get this default removed from file as it shows that I owe £2000


So to recap I still have the letter stating that they had written my debt off and considered my account closed

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Hi and welcome to CAG. I have merged your two posts into one as it is better to keep it simple.


On to your query. I doubt you will be able to do much. They have a duty to show a factual case on your credit file. Although they say they wrote off the debt, this does not mean the money owed failed to exist, just that they wrote it off on paper for accounting purposes.


I do feel it is wrong however to do this and not tell you although they have the right to do so in cases like these.


You could write to their head office and ask but I don't feel you will have much luck.

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