I'm hoping someone / anyone can help me or at least point me in the right direction with my annoying little problem.
I entered into a DMP with the CCCS in April 2001. One of my credtors was Tesco Personal Finance. When I joined CreditExpert this year I saw that Tesco had put a default on my file. The default was added on 5/11/05. Yes I'm aware that apparently they can add a default whenever they want, which is rather mean really because if they had added it when it actually occurred in April 2001 then it would have cleared 3 years ago. By the time it drops off my file I will have been uncredit worthy for 10 years and 7 damn months.
Hears the question. Were they supposed to send me notification that they were going to put a default on my file? This is the one question I can't seem to get a straight answer for or any answer at all. And it's frustrating the hell out of me. I feel like a hamster going round and round on his wheel!! The only correspondence I ever received direct from them was a letter notifying me of new contact details should I wish to discuss my loan with them the letter was dated 22/06/05.
I know categorically that they didn't notify me because in 2004 I had need to see my credt file and there were 2 default notices on it. One from Blair,Oliver & Scott ( Bank of Scotland) and Metropolitan Collection (First Direct). Both were sent letters (under guidance from CCCS) and the default notices were removed. So if I had received a default notification from Tesco I would have known what course of action to take.
So folks what chance do I have of getting this default removed.
Thank you
I entered into a DMP with the CCCS in April 2001. One of my credtors was Tesco Personal Finance. When I joined CreditExpert this year I saw that Tesco had put a default on my file. The default was added on 5/11/05. Yes I'm aware that apparently they can add a default whenever they want, which is rather mean really because if they had added it when it actually occurred in April 2001 then it would have cleared 3 years ago. By the time it drops off my file I will have been uncredit worthy for 10 years and 7 damn months.
Hears the question. Were they supposed to send me notification that they were going to put a default on my file? This is the one question I can't seem to get a straight answer for or any answer at all. And it's frustrating the hell out of me. I feel like a hamster going round and round on his wheel!! The only correspondence I ever received direct from them was a letter notifying me of new contact details should I wish to discuss my loan with them the letter was dated 22/06/05.
I know categorically that they didn't notify me because in 2004 I had need to see my credt file and there were 2 default notices on it. One from Blair,Oliver & Scott ( Bank of Scotland) and Metropolitan Collection (First Direct). Both were sent letters (under guidance from CCCS) and the default notices were removed. So if I had received a default notification from Tesco I would have known what course of action to take.
So folks what chance do I have of getting this default removed.
Thank you
Comment