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Hi,
Does anyone think they may be able to help me out with a few questions regarding removing defaults on credit files.
Ive read somewhere on the internet that its possible to remove defaults if they are under £500.00 by using the 'sympathy strategy', has anyone had any success with this?
I have 4 defaults (all cleared/paid in full) currently on my credit file.
The 1st is from next directory. It wasn't until i registered with Experian in Oct 2015 that i even knew i had an amount still owed to Next (it was £46.00). This account was from 2011 and defaulted on 28.01.2011 but has a 'gone away' mark from 10.01.2011, i did move in October 2010 but im almost positive i would have let them know. As soon as i knew about the outstanding amount in October 2015 i rang them up straight away and paid. Would i be able to argue my case that as soon as i was aware of it i cleared the amount in full?
The 2nd is from a very catalog - passed onto Capquest and recorded as default by them too. Defaulted on 17.05.2011 amount £188.00. I have read there is a small chance of getting defaults removed if the debt is passed onto a debt collection agency as this may not be outlined in the original credit agreement?
The 3rd from a Vodafone contract - passed onto Lovell and recorded as a default by them too. I have read that mobile phone companys are governed by a different set of rules so i may not have much luck here? Or would the same strategy as the above work as it was passed onto a debt collection agency?
The 4th (which i dont think i stand a chance of getting removed) is from Halifax bank. Defaulted on 03.2013 amount £662.00. Basically i got into trouble with an unauthorised overdraft in the sense that i could still use my card to make purchases online and in person despite being out of my agreed overdraft limit (stupid as hell on my part!). I remember having dealings with the halifax themselves and then it being passed onto a debt collection agency (even though the default is registered with halifax and there is no other debt collection agency noted on my credit file), im pretty sure that the date the default is recorded is not correct and infact should be earlier - im convinced the 2013 date is from when i was dealing with a debt collection agency and not the original default date from the halifax.
Any help anyone has would be greatly appreciated, sorry for the long post!
Does anyone think they may be able to help me out with a few questions regarding removing defaults on credit files.
Ive read somewhere on the internet that its possible to remove defaults if they are under £500.00 by using the 'sympathy strategy', has anyone had any success with this?
I have 4 defaults (all cleared/paid in full) currently on my credit file.
The 1st is from next directory. It wasn't until i registered with Experian in Oct 2015 that i even knew i had an amount still owed to Next (it was £46.00). This account was from 2011 and defaulted on 28.01.2011 but has a 'gone away' mark from 10.01.2011, i did move in October 2010 but im almost positive i would have let them know. As soon as i knew about the outstanding amount in October 2015 i rang them up straight away and paid. Would i be able to argue my case that as soon as i was aware of it i cleared the amount in full?
The 2nd is from a very catalog - passed onto Capquest and recorded as default by them too. Defaulted on 17.05.2011 amount £188.00. I have read there is a small chance of getting defaults removed if the debt is passed onto a debt collection agency as this may not be outlined in the original credit agreement?
The 3rd from a Vodafone contract - passed onto Lovell and recorded as a default by them too. I have read that mobile phone companys are governed by a different set of rules so i may not have much luck here? Or would the same strategy as the above work as it was passed onto a debt collection agency?
The 4th (which i dont think i stand a chance of getting removed) is from Halifax bank. Defaulted on 03.2013 amount £662.00. Basically i got into trouble with an unauthorised overdraft in the sense that i could still use my card to make purchases online and in person despite being out of my agreed overdraft limit (stupid as hell on my part!). I remember having dealings with the halifax themselves and then it being passed onto a debt collection agency (even though the default is registered with halifax and there is no other debt collection agency noted on my credit file), im pretty sure that the date the default is recorded is not correct and infact should be earlier - im convinced the 2013 date is from when i was dealing with a debt collection agency and not the original default date from the halifax.
Any help anyone has would be greatly appreciated, sorry for the long post!
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