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armitage188

2 LLoyds defaults - can i get them removed from credit file?

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I have 2 defaults on my account (by from Lloyds). I've paid off the debt on both completely about 6 months ago.

 

I know that paying the debt doesn't remove the default notice on credit file.

 

Obviously,

I'd like to get rid of the default notices on my credit file ASAP,

as they're causing me issues in a joint mortgage application with my partner.

 

We're having to just do it in her name now, which is frustrating as means we can't count my income towards it.

 

I've read lots of accounts of people removing defaults.

 

Can you give me some idea about removing the defaults and my best course of action to get this sorted ASAP.

 

Some details:

 

- I'm sure they've listed the default dates wrong.

 

Bringing them forwards, which is obviously detrimental to me as well.

 

At the very least, they should be back-dated to the date when the default actually took place.

 

But ideally, I'd like them expunged.

- the debts are both paid off.

- debts were sold on to other organisations (other than Lloyds).

 

So to summarise:

can you give advice on default notice removal, please?

 

Any links to resources would be much appreciated.

 

Kind regards,

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Hi

Any defaults legitimately placed are unlikely to be removed until they drop off. If a date on your credit file is different from the original default date then you can complain and have the original date put in its place.

With any debt paid off in full, the account should show 'settled' however if it was a short settlement, your file would show 'partially settled'

 

It doesn't matter who the debt was with. As he debt was sold to a DCA, the rights and responsibilities were also transferred across so they have the right to mark your credit file.

 

Some debt collectors would remove defaults but only as part of any negotiations and certainly not after a debt has been paid off as they would have no reason to do so.


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not much chance of negotiating the removal of any negative markers once already paid. unless, as said, they are factually incorrect.

as said, a new owner cannot bring forward/extend a default date. they can only put their name on it.


IMO

:-):rant:

 

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why do you think they might have been wrong?

 

 

they should be placed around the tHIRD missed payment?

 

 

what type of accounts are these against?

 

 

were any default charges included in the figure quoted on the DN 's when they were issued?

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Type of accounts: one is a loan, the other a credit card. I was stuck in the cycle of using a loan to pay off a credit card after being made unemployed years ago!

 

I know it'll be tough, but I'll keep on fighting it to get them removed. I'm annoyed that 6 years is such an arbitrary figure. Why not 2 years, 3 years or 4 years!? I'd be fine then.

 

I know we all have to pay for our mistakes in some form, but I do find it infuriating that they put a 6 year sentence on this kind of thing. You're punished for years after living through a really tough time (being made redundant, struggling financially, etc).

 

2 years seems like a fair punishment for this kind of thing, but to stop me being on a JOINT mortgage application when I'm now running a very successful business and financially very well off, I think that's really wrong.

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so when were the defaults placed?

and when would have been your 3rd missed or short payment on each?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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As a follow up to this,

I'm posting the letters I received from Lloyds after doing the Section 78 request I was advised to do.

 

What do you make of the wording of these?

It seems really dodgy to me - like they know they don't have a leg to stand on and they're just trying to brush it under the carpet.

 

Any advice? Next steps?

bank2.jpg

bank3.jpg

bank1.jpg

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cant see where you were advised to do a CCA request?

and anyway that's irrelevant to your 'cause'

 

 

so back to what we needed you to do

which is in post 6.

 

 

incidentally what they are saying is correct

but as you've paid the accounts off a CCA request was pretty pointless which is why we didn't advise doing it


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I looked through other threads with the same situation and all were advised to do the Section 78 request.

I followed that.

 

It was a template that I got from CAG which tells the lender that I didn't receive a notification of a default being put on the account.

 

I don't see anything that I 'needed to do' in post 6.

 

I'm unaware of when the default occurred

 

. The dates on my credit file are certainly not when it would have occurred (they're much later).

 

For clarities sake, here's the template I mentioned (obviously, I amended for my details):

[Template removed - what does it say about NOT posting our templates in the open forum??? So something else you didn't read properly - DX]

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I doubt there is a thread here that's says to get a default removed you need to send a CCA request as that's pointless

 

Have you all the statements to prove when the defaults should have been placed then?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Urm.. So as post 6 then,........


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Urm.. So as post 6 then,........

 

Defaults happened in 2012.

 

But I don't see how that helps?

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you were indicating that your had missed payments before that date so thus the defaults were recorded late?

 

 

so have you any evidenced in the statements that you had missed several payments earlier than the defaulted date...that's what you came here querying..so can you prove it....


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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you were indicating that your had missed payments before that date so thus the defaults were recorded late?

 

 

so have you any evidenced in the statements that you had missed several payments earlier than the defaulted date...that's what you came here querying..so can you prove it....

 

Yes, I can prove it.

 

But what I came here to query was how can I get the defaults removed.

 

Do the answers to those questions actually get me any closer to having the defaults removed from my account?

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removed no that's almost impossible as they'll be a true reflection of how the accounts were operated

however you could get them moved to an earlier date with proof of earlier missed payments


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I think what people are saying is that if you did default then it is all but impossible to get them removed before the 6 years are up. Having said that if the dates have been entered unduly late then they should be willing to correct them - the ICO Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies say 6 months worth of missed payments - or at least they did last time I checked.

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Any default should be placed on file at the earliest, after 3 missed monthly payments and at the latest by 6 months missed payments.

 

You are looking for at least 3 months missed oayments to attempt having the dates corrected.


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