Help with a default please gratten/kaleidoscope

[mummy38]

Hi I have had a default put on my account in May for something I wasn't aware off.

 

I rang the company that have recorded it and they said it was with a sister company of theirs.

 

They have recorded the default at 121 but they said on the phone it's 88.

 

They are claiming I ordered stuff and never paid for it.

 

I ordered the items 2 years ago and I paid them weekly till they were paid off, over about 3 months. My bank records show this.

 

I got no letters or anything regarding this. At 88.00 if I had known I would have paid and put it in dispute as opposed to having a default

 

What can I do to fix this. I have asked them to send me full statements of the account which they said they will

[maroondevo52]

Hi,

 

Think you will have to wait until the statements arrive, you could always dispute the default with your credit ref agency and they will then contact whoever placed the default to check whether it's accurate.

[mummy38]

I asked them to place it in dispute and they said its closed so I have raised a dispute with the credit reference company

[maroondevo52]

I don't think there's much more you can do until you get the information.

[dx100uk]

whos the company

 

 

dx

[mummy38]

The company is gratten but the sister company I purchased the items from is kaleidoscope

[dx100uk]

Right so a catalogue debt

Same lot Grattan is the parent group

 

So you've sent them an sar to get all the statements?

[dx100uk]

http://www.ottogroup.com/en/die-otto-group/konzernfirmen/freemans-grattan-holdings.php

[mummy38]

I rang them yesterday and they have agreed to send out the statements

[mummy38]

I have received all the statements today and I correctly owe them 27.00 which was s complete oversight on my part. The rest is late payment charges.

[dx100uk]

at the date of the default what is the balance just the £27 or + £12 charges

[mummy38]

The balance is 87.12 and 60 of that is 5*12.00 charges

 

Default date is may just gone and I wouldn't have known only I checked my credit file.

They were sending correspondancr via email to an email I no longer use

[dx100uk]

so you simply missed paying £27 that you did realise was owed

you got your calcs of the items over 3mts wrong?

[mummy38]

Yes basically, and I am happy to make that payment in full. Is there anyway of getting the default removed

 

The 27 is made up of delivery and interest charges that hadn't been applied due to some returns I had made the last time I had checked the account.

I am perfectly happy to pay.

It is a genuine mistake

[dx100uk]

cant see it myself

what troubles is it causing you - mortgage application?

[mummy38]

We are looking to sell our current house in the next couple of months and will be looking to take out another mortgage

[dx100uk]

yes thought so

 

 

i'd write or email the CEO a pleasant pleading letter.

 

 

explain the £27 was a genuine mistake

indicate that the resultant default

it is causing you issues with being able to better things for you family and its future

 

 

offer to pay the sum outstanding on the clear understanding that the default is removed

indicate that you feel the additional £12 penalty sums are disproportionate

[mummy38]

I will do thanks. If at any time they had written to me I would have realised and paid. Unfortunately as they communicated by email to me it has gone un noticed