3 default notices

[PayBack83]

Good evening,

 

I am new here so please forgive me if i have placed this in the wrong area. Basically i have 3 defaults with a total of 2,400 pounds, these were placed on my credit file in 2005. I settled all of them in January 2006 and they now show up as being satisfied on my credit file, is there a way i can remove these default notices from my credit file, thank you for your time.

[Bigmac versus]

Hi there and welcome to the forum.

If you start a thread in the general debt forum people will offer advice on your questions.

There would be a good case if the defaults you have were put there when the amount in question was made up of charges.

 

http://www.consumeractiongroup.co.uk/forum/general-debt/

[PayBack83]

Good evening,

 

I am new here so please forgive me if i have placed this in the wrong area. Basically i have 3 defaults with a total of 2,400 pounds, these were placed on my credit file in 2005. I settled all of them in January 2006 and they now show up as being satisfied on my credit file, is there a way i can remove these default notices from my credit file, thank you for your time.

[PayBack83]

Thank you for your help, i have now moved the post to the specified forum, once again thanks.

[rory32]

Have a read at this link Remove Default Notices on a Credit File - We show you how

[rocky2005]

who are the defaults with.:-|

 

if the default amount is less than charges applied to your account you reclaim your charges and request they remove the default has it was caused due to the charges.

 

i have just had a default removed by natwest and will be glad to help you.

 

my default was for £334 and they charged me £443 in charges, at first natwest offered me the £443 back as full settlement but i told them i would only accept full settlement with the default removed, in the end they gave in.

[rory32]

at first NatWest offered me the £443 back as full settlement but i told them i would only accept full settlement with the default removed, in the end they gave in.:grin:

Banks vary in this, I had an overdraft with RBS for £900 they refused to remove the default despite the charges being £5K. This matter is now with the FOS.

 

Forgot to ask PayBack is there charges on these accounts?

[rocky2005]

I'm suprised cause natwest is owned by RBS when i was dealing with my case i had RBS sending me letters.

 

The default and money are dealt by different dept so you will get offered your money back first then few weeks later you should get a letter saying they will remove the default.

 

I will scan the letter and post it tomorrow.

 

Thanks

[MARTIN3030]

NW and RBS are pretty reluctant to give permission to the CRAs to have the info removed.

I have an ongoing case with this in Court now.

Its likely that if you take them to Court for breaches under the data protection act,that the Court will ask if you have sent them a section 10 notice and how they responded.

In my case the Court would not issue the claim form until I had done so.

 

Your posts from Welcome merged here by the way.

[PayBack83]

Hi thanks for all your replies, my defaults are as follows:

GE CAPITAL; £951, barclaycard centre; £670 and Barclays bank; £824. And i believe i did have charges on them, however im not to sure.

[rocky2005]

best thing to do is to send a SAR to them and get you statments.

 

Remeber to incluse £10 Cheque/Postal order and to send it recorded delivery

 

SAR - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

when you get the statments work out how much they charged you if its more than the default amount you should be able to remove it.

 

thanks

[Monty2007]

Dear Martin

 

In relation to the s10 request, I would be very grateful if you could comment on my thread:

 

http://www.consumeractiongroup.co.uk/forum/general-debt/103600-non-conformance-under-s10.html

[PayBack83]

Hi thanks for all your responses, may I also add that i was not living at the address where the letters were meant to have been sent to which obviously meant i couldnt have received it, does this matter?

[powelll]

Hi thanks for all your responses, may I also add that i was not living at the address where the letters were meant to have been sent to which obviously meant i couldnt have received it, does this matter?

 

If they were sent to your last known address then it wouldn't make a difference. They don't have to prove you received anything just that it was sent...

[rocky2005]

payback any luck with you defaults yet