Can I have these removed?

[Mike12421]

Hello, I have been a visitor here for some time now, and with the help of everyone here I managed to claim back over £2k from HSBC...WOOHOO!

 

I am trying my best to get my finances in order, and to be honest, I am doing quite well. HOWEVER, I have just obtained my Equifax record today and everything is great except for entries from NatWest and Vodafone.

 

On my payment history under NatWest, they have notified Equifax of a number of "late payments or arrears". This is shown on my record as a "circled yellow 1", and on two occasions a "circled yellow 2". The majority however are "circled green 0". There is nothing listed in the "Default Date" box, nor any mention of any defaults, just simply late payments which have been paid in full on the various occasions over the years, as I still hold the account with them.

 

Further down under Vodafone, well it actually says “Vodafone Ex Singlepoint / XXXXXXXXXX", I have a "circled yellow 1", a "circled yellow 2", a "circled red 3" and a "circled red 4", everything else is green. Again there is no mention of a default or anything outstanding, just simply these late payments, which have been paid in full.

 

Now I will be the first to hold my hands up and say that I was not very good with my finances in the past, but I am trying to sort things out now, and I could really do with everyone’s help and advice, or do I really have to wait 6 YEARS for these things to disappear?

 

I have read other threads about people successfully removing defaults that Vodafone have placed on their records, however I don't know if mine are actually "defaults" or not.

 

Please, please, please help.

 

Mike.

[Bigmac versus]

defaults im sure are said default or 8 i believe what you have is just payment history 1 equ 1 month late 2 equals 2 month late and you get the picture

[Bailiffchaser]

hi i am not sure but you would need to send a sar off to the relevant companies and see from the infor they supplied if you have been hit with any illegal charges. Then you can go about clearing your payment history etc.

[gizmo111]

If these late payments history are factual then you have no ground to get them removed. Sorry.

 

Congrats on HSBC win :D

 

- don't forget the survey.

 

Thanks

[Mike12421]

Thank you all for the quick replies.

 

They are genuine late payments....so there is nothing I can do?

 

If people can have "defaults" removed, which are "8 late payments", then surly I can have my 1 or 2 late payments removed.

 

Anything I need to do, I will do.

[poochball]

Hello,

 

I am not sure you would be able to remove these entries. Default entires do show up as number 8 and the date a default is registed is put onto the credit file.

 

The reason people are getting defaults removed is because the paper work the various financial organisations hold about the defaults is not properly documented and as such because the data cannot be substantiated it is removed.

 

I wouldn't have thought you could get it removed. However you could add a notice of correction against this account to explain why it fell into late payments. This information is seen when a credit search is performed on your account. For example, in my case I was made redundant and so fell into arrears.

 

Hope this helps and if I can find out anymore then I will let you know.

[Mike12421]

Thanks, it looks like I'll just have to keep my nose clean from now on.

 

Mike.

[Mike12421]

Just as a final thought, am I right in thinking that a "late payment" mark as described above, is the same as a "default" mark, and as such stays on your account for 6 years? Or am I just confused?

 

Thanks again.

[nevos]

Have you read dayglo's thread on Voda?

 

I hope people will can Voda and switch to another supplier then, they might take a different view and remove the details from CRA's as the debt is paid etc.

 

I beleive you can obtain a unique number which allows you to move your existing number to another supplier.

[suecrill]

Hi

I think that a late payment only stays on file for 18 months - ring experian and ask them.

regards

sue

[nevos]

The current practice is that defaults are removed from your file after 6 years, regardless of whether they are settled or not as afr as I am aware.

[poochball]

Yes that is correct after 6 years from the date of entry they are removed.

[suecrill]

I agree defaults are there for 6 years - believe me I know !!!! However late payments ie one two or three months in arrears (I believe) only show for an eighteen month period as soon as you make these payments up they disappear after 18 months ????

[LondonPam]

Payment history stays on in one form for 3 years. If you go to this link you can view a sample of a credit report, the data on this will be available to inquire upon.

 

CreditExpert.co.uk

 

This shows the status for the last 12 months AND the number of times in the last 36 months your account was at a certain status.

 

 

Hope it helps.

[Mike12421]

I tried calling Equifax but I think I was too late. Will try again in the morning.

 

As for the late payments, 3 years is better than 6, however my last late payment with Vodafone (which is now a closed account by me) was September 2004. As for the late payment on my NatWest account, that was a couple of months ago.

 

I have looked over my credit file again, and it does show payments (good and bad) going back further than 3 years.

 

Fingers crossed then, does this look like I only have to wait until September 2007 for the Vodafone markers to disappear?

 

Thanks everyone.

[Bailiffchaser]

iNFO STAYS ON 6 YEARS FROM THE DATE YOUR ACCOUNT CLOSES FOR WHAT EVER REASON

[Mike12421]

So if I keep my NatWest credit card for another 10 years (and not close it), will credit checks keep throwing up my late payments from 2002?

[spitting kitten]

I Had a bank account with Barclays and owed an overdraft I had been paying a DCA for almost a year then got fed up of the knife being constantly being turned. I had all my old statements and realised that they owed me £80 more than the balance outstanding.

 

My cousin has just died at the tender age of 19 years old (Adult version of cot death ) after that my brain has just gone. I have even started smoking even though I can't stand my clothes smelling stale. So stupid as it may be I called Barclays (I just couldn't be bothered to fight- my aunt took it that bad she tried to kill herself.) and said that the minimum I was prepared to accept was for them to write the rest of the debt off including default which they said the recovery department would have to do.

 

I signed to say that I accepted their goodwill gesture. Now I think that they should go under "one night stand solutions" because since signing they are no where to be seen. I have not even had a letter to say that they have pleasured them selves buy not having to actually part with money. I contacted experian and told the unlawful default due to charges etc... She actually said that she was glad that I had claimed back and that she would contact th Bast**** to get them to sort it.

 

I called Experian again and spoke to a complete bi*ch who would not give me any information except that I would have to order a new copy of credit file to find out.

 

I the had a letter from experian one week later to say that Barclays had marked the account as settled and now that they have they have removed my comments. I called experian again and spoke to a quiet lass who sounded on the verge of crying. She said that the default had not been removed but marked as settled. She also told me that there would be no date put on my file for date settled but that the default would just be removed 6 years from original default. I said that it was a default due to unlawful charges and that it shouldn't even be on there. I said that I was in a good mind to take them to court.

 

Then I could almost hear her smile before she said Yeah I think that your right..Sorry about the rant everyone (partly alcahol induced) but now I am in the mood to bring it on with Barclays. I don't want money just default removed. Has anyone made an offer before applying to court and is trying to get a default removed? if so I would love to hear from you.

 

Cost to request payment from Barclays...

First class recoded delivery........£1

Phone call...............................80p

Cheating yourself.....................F***ing Priceless

[Bailiffchaser]

So if I keep my NatWest credit card for another 10 years (and not close it), will credit checks keep throwing up my late payments from 2002?

 

no

after 6 years they will be wiped as the cra only keeps a record of upto 6 years.

[missm]

LATE payments (1) are only kept on file for between 12-36 months depending on how often. I have 1 late payment each with Tmob, halifax cc, and cap 1. Defaults (8) are kept for 6 years

I called Experian and they say they should drop off in about 6 or so months (had to take an unexpected trip home early last year due to family emerg and missed a payment on nearly everything when i was gone) however my credit score is still rated as GOOD.

[missm]

oh and splitting kittens, you need to take action against barclays to get that default removed. read around and good luck

 

unfortunately Experian can only remove defaults when instructed by the lender.

[spitting kitten]

Hi default was end of 2005 so that it will be automatically wiped end of 2011. Whoah I am going to try and get this removed I want a debit card so that my bills clear more quickly. Thanks for the reply.

 

Actually I printed a letter off that some one had used to let the bank know that they no longer have their permission to process data. Do I send this first before sending letter asking to remove default. The bank have no signed agreement from when I opened bank account (this was done when I was 9 years old) then overdraft applied for when I was 18 and I am 28 now. I think overdraft was set up over the phone or in branch I can't quite remember how it was that long ago.

[Bailiffchaser]

oh and splitting kittens, you need to take action against barclays to get that default removed. read around and good luck

 

unfortunately Experian can only remove defaults when instructed by the lender.

 

 

send equifax a sar and wait for thier reply. As if they correct the informatio then the rest of the cras have to follow.

[spitting kitten]

Yeah thanks that would be where i send in £10 for all in the info right