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Mortgage Default - Removed!


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Hope this helps another user.

 

Had a default marked in March 2005 and mortage co refused to remove, despite account being put in order promptly - they said it will remain for 6 years and wouldn't budge after polite letters etc.

 

Read all of the ongoing here and wrote to them with a DPA Notice requesting a certified copy of the default notice and terms and conditions of the mortgage.

 

Out of the blue, they rang yesterday to say that would they have to bother with that tiresome DPA stuff if the default was removed immediately. I said no, but wanted confirmation of this in writing.

 

So there you go, my credit record is now perfect - don't ask, don't get!

Charlie

 

Won so far....

Lloyds Bank - £8500

Lloyds Mastercard - £800

Egg - £1500

Cahoot - £1500

HFC - £180

GE Money - £600

Midshires - £1100

Friends, family & neighbours I've helped - £5000+!!

 

Currently working on...

 

Charges:

Lloyds (again) £2200

CCA:

Lloyds (yawn) & Egg

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Halifax.

 

The interesting point was that I didn't get the chance to explore the legalities of defaults issued by mortgage companies, as they fall outside the Consumer Credit Act, so (as far as I can see) there doesn't seem to be a legal process that they have to follow. This of course makes the system open to challenge.

Charlie

 

Won so far....

Lloyds Bank - £8500

Lloyds Mastercard - £800

Egg - £1500

Cahoot - £1500

HFC - £180

GE Money - £600

Midshires - £1100

Friends, family & neighbours I've helped - £5000+!!

 

Currently working on...

 

Charges:

Lloyds (again) £2200

CCA:

Lloyds (yawn) & Egg

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Share on other sites

I didn't use them as the account is still active; they rely on the argument that your account has closed, your contract ended and with it their right to continue processing your data under the DPA.

 

I thought the angle to take, with this being a mortgage and therefore outside of the default regulations set down by the Consumer Credit Act, was that the default was a subjective judgement, entirely without proper process.

 

It seemed to have worked in this case.

Charlie

 

Won so far....

Lloyds Bank - £8500

Lloyds Mastercard - £800

Egg - £1500

Cahoot - £1500

HFC - £180

GE Money - £600

Midshires - £1100

Friends, family & neighbours I've helped - £5000+!!

 

Currently working on...

 

Charges:

Lloyds (again) £2200

CCA:

Lloyds (yawn) & Egg

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Any chance of posting the letter up, obviously taking out the personal bits, I think it would help alot of people. I wonder if this would apply to any negative info building society has put on your Credit file and not just default marker.

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