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What a fantastic site!, right I'm after advice and also proper procedures to go about things please !, I'm looking at possibly applying to get a Morgage so before I do I thought I would check my credit file
I have 3 defaults on there which I would like to try and clear off if possible !
1 nearly 2 years old a default for Barclays for 116 for over draft charges on a account I had , I did ring them to pay this at the time but the guy on the phone said the account is shut there's basically no way of paying !
2 sainsburys bank loan over 5k what happened was I had a 8k loan with sainsburys I lost my job and buried my head in the sand I missed 3 payments before I contacted them and they agreed to freeze the payments for a month until I was on my feet again I was in constant contact with them , then I asked for a reduced monthly figure for a few months so I never missed any payments and even upped the payments and payed it off early but they put a default on my account I have asked experian to get more info from them regarding this
3 orange mobile phone 589 I got a contract out for a ex partner!!! She always payed the contract out of her account when we split I moved out and I never gave it a second thought until out of the blue I recieve a letter from Lovell saying they have been passed the debt of 589 for the phone so I payed in full but they have put a default on my account even though I was never contacted to let me no about money owed etc before I was defaulted ! Does anybody think I have any grounds to challenge these ? If so how ! Also any advice on what to do with the defaults to make them look better on my file thanks chris
I have 3 defaults on there which I would like to try and clear off if possible !
1 nearly 2 years old a default for Barclays for 116 for over draft charges on a account I had , I did ring them to pay this at the time but the guy on the phone said the account is shut there's basically no way of paying !
2 sainsburys bank loan over 5k what happened was I had a 8k loan with sainsburys I lost my job and buried my head in the sand I missed 3 payments before I contacted them and they agreed to freeze the payments for a month until I was on my feet again I was in constant contact with them , then I asked for a reduced monthly figure for a few months so I never missed any payments and even upped the payments and payed it off early but they put a default on my account I have asked experian to get more info from them regarding this
3 orange mobile phone 589 I got a contract out for a ex partner!!! She always payed the contract out of her account when we split I moved out and I never gave it a second thought until out of the blue I recieve a letter from Lovell saying they have been passed the debt of 589 for the phone so I payed in full but they have put a default on my account even though I was never contacted to let me no about money owed etc before I was defaulted ! Does anybody think I have any grounds to challenge these ? If so how ! Also any advice on what to do with the defaults to make them look better on my file thanks chris
