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Hi

 

I have 3 defaults I'm looking to try and get removed and wonder how I stand.

 

2 relate to O2 (2 x contracts) and were noted on my credit file over a year ago. The accounts have been paid and noted as settled. However I still have these contracts and still continue to pay my monthly amounts - I even got a new phone on one of them a few months back.

 

How do I stand in getting these removed to at least show the current payment history?

 

The other is very similar. It's a long standing credit acct. I've been paying regularly per the statement. The default again was over a year ago but not in trouble since. The credit file entry shows the default and the current balance.

 

Any advice appreciated

 

Thanks

 

Wicket

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

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I would politely write them all a letter and explain that the defaults are still on there and this should be amended to show current account status, as I understand it a default means the account has been defaulted/terminated and no longer active ... I cant see you having much of a problem getting this sorted out.

Completed:

RBOS Charges - £2435 settled in full :)

RBOS Default Removal - Removed :)

Carphone Warehouse Default Removal - Removed :)

Welcome Finance Default Removal - Removed :)

Viking Direct CCJ - Removed :)

Littlewoods Default - Removed :-o

 

Ongoing:

N Hunter SAR

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Ok, I'll give it a go. Nothing ventured nothing gained I suppose!

 

Thanks

Halifax Statements requested 21/7/06

Prelim letter to halifax recorded delivery 8/9/06 :eek:

Halifax received 11/9/06

LBA 26/09/06

Default letter & S10 to GE Capital Bank Ltd 8/9/06 :eek:

Reminder and LBA 9/10/06

GE received 12/9/06

 

Default letter & S10 to Capital Bank Plc 12/9/06

Acknowledge 15/9/06

 

Default letter & S10 to O2 (Uk) Ltd 12/9/06

Acknowledge 25/9/06

 

I may not be in full control yet but enjoying the battle to get control!

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