Jump to content


Can I request this default removed?


 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5529 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

1) I have a default with CitiGroup. The credit limit on the card was £400 and they have defaulted me at £490. Around £350 of the balance was purchases, the rest is charges and intrest.

 

Am I able to calim the default is due to charges and therefore have it removed . I have paid them a payment of £300 since the default, so the current balance of the default is £190

 

2) Also, I have mentioned this before, as well as the default placed by CitiGroup, they have passed the account onto Cabot, this was done just after the £300 payment. They have defaulted for an amount of £190.

 

Now, I was under the impression that you could only be defaulted on one debt once, or have i misunderstood?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

Link to post
Share on other sites

Ok, a development,

 

I have contacted Experian who have said they will look into it as I cannot be defaulted on the same debt twice. They have also adviosed they will note the defaults as being disputed.

 

I also contacted Cabot/Kings Hill, and advised them that I think they are wrong to place a default on a credit reference as, a) because they have no consent to do so as I have never signed any agreement with them, and b) as this debt has already been defaulted.

 

Their response:

 

'As they are part of CitiGroup, then any consent given to any part of the CitiGroup group is transferrable between them,

 

and on the second point.

 

'When Kings Hill/Cabot are assigned the debt, that effectively constitutes a new agreement, therefore it is proper to default the account'

 

Can this be right?

GE Money S.A.R - (Subject Access Request) issued 21/11/06. Responded 01/12/06. Prelim sent 05/12/06 £406. Response 12/12/06- **SETTLED IN FULL** (£396)

HSBC S.A.R - (Subject Access Request) issued 05/12/06. NO charges in last 6 years.

Lowell CCA issued 21/11/06. Further reminder sent 8/12/06. Now commited criminal offence no response.

Capital One S.A.R - (Subject Access Request) sent 08/12/06 Responded 03/01/07-Prelim Sent 16/01/07. LBA issued 06/02/07- N1 served 07/03/07- acknowledged 14/03/07.

Scotcall CCA issued 16/01/07. Criminal offence committed.

HFC Prelim sent 16/01/07. LBA sent- Final Correspondance issued with time limit of 29/03/07.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...