Wrongful Defaults

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A free service which provides vulnerable consumers the ability to record their personal circumstances at a given point in time when they are looking to protect themselves against further debt or related financial problems. This is done either by self-exclusion from credit and financial promotions or to slow down the credit application process.

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Topics	Statistics
Important: ICO GUIDANCE ON DEFAULTS - Vital Reading Started by Celestine Started by Celestine, 26th November 2012, 22:46:PM	50 responses 24,700 views 4 likes	by nemesis45 4th December 2017, 17:10:PM
Important: Smeaton v Equifax Compensation under s.13 DPA Started by Celestine Started by Celestine, 24th August 2012, 11:58:AM	0 responses 3,990 views 0 likes	by Celestine 24th August 2012, 11:58:AM
Incorrect defaults on credit report Started by Victoria1986 Started by Victoria1986, 3rd October 2019, 10:53:AM	1 response 17 views 0 likes	by Amethyst 3rd October 2019, 11:03:AM
Default Help needed Started by webwonder Started by webwonder, 1st August 2019, 10:32:AM	1 response 35 views 0 likes	by jaguarsuk 1st August 2019, 15:21:PM
Mistaken identity has ruined my credit report for a 3rd time Started by Luco19 Started by Luco19, 7th April 2018, 14:52:PM	0 responses 111 views 0 likes	by Luco19 7th April 2018, 14:52:PM
Incorrect Default Date? Started by NearlyFree Started by NearlyFree, 5th April 2018, 09:33:AM	0 responses 83 views 0 likes	by NearlyFree 5th April 2018, 09:33:AM
General damages for damage to creditworthiness. Started by Rico Started by Rico, 28th February 2013, 20:49:PM	125 responses 32,740 views 4 likes	by Rico 27th November 2017, 09:59:AM
TalkTalk: Someone else's default in my name Started by NAG90 Started by NAG90, 25th July 2017, 09:25:AM	8 responses 1,785 views 0 likes	by ostell 25th July 2017, 21:21:PM
Desperately seeking help - Lowell disagreement Started by Phoenix1792 Started by Phoenix1792, 4th April 2017, 13:48:PM	17 responses 2,598 views 0 likes	by Phoenix1792 8th April 2017, 09:37:AM
WON !! Richard Durkin v HFC / PC World supreme court judgment 26/03/14 Started by Guest Started by Guest, 8th July 2012, 07:55:AM	717 responses 165,955 views 4 likes	by Celestine 17th March 2017, 12:09:PM
Default posted AFTER debt paid in full ..any redress? Started by Jetskydog Started by Jetskydog, 24th September 2016, 21:03:PM	3 responses 2,148 views 1 thank	by laurenelizabethgrace 26th February 2017, 09:54:AM
Wrongful default ratified - Redress still denied. Started by Rico Started by Rico, 7th February 2015, 21:08:PM	46 responses 12,499 views 3 likes	by Rico 24th January 2017, 18:38:PM
Wrong details on Credit file.. passed from pillar to post. Started by Tucker64 Started by Tucker64, 19th January 2017, 10:14:AM	7 responses 1,434 views 0 likes	by Tucker64 19th January 2017, 12:39:PM
O2 defaults Started by leebob253 Started by leebob253, 28th April 2016, 21:40:PM	1 response 1,975 views 0 likes	by wales01man 28th April 2016, 22:51:PM
Need to have Sainsbury's default removed (debt is settled) Started by Raknah Started by Raknah, 7th November 2015, 17:54:PM	25 responses 6,695 views 0 likes	by R0b 10th November 2015, 21:12:PM
Wrongful Default on CRA Started by QueenVIc Started by QueenVIc, 20th September 2015, 07:37:AM	38 responses 6,290 views 1 thank	by Berniethebolt 21st September 2015, 10:04:AM
Lowell - credit score Started by Bear23 Started by Bear23, 18th September 2015, 11:45:AM	2 responses 2,323 views 0 likes	by nemesis45 20th September 2015, 09:49:AM
Wrongful Defaults on CRA - BBC WatchDog - Important Started by Celestine Started by Celestine, 5th October 2012, 09:35:AM	4 responses 5,155 views 0 likes	by nouchkita2002 30th August 2015, 23:14:PM
Advice needed due to default after VT of car Started by lillydog Started by lillydog, 22nd August 2015, 16:11:PM	2 responses 2,193 views 0 likes	by lillydog 22nd August 2015, 20:20:PM
Mystery Default Started by CD36 Started by CD36, 25th June 2015, 09:57:AM	12 responses 3,901 views 0 likes	by nemesis45 3rd July 2015, 12:25:PM
ICO guidance of CRA reporting - inc defaults relating to unenforceable agreements Started by Amethyst Started by Amethyst, 22nd May 2015, 10:33:AM	8 responses 5,096 views 4 likes	by Nibbler 31st May 2015, 22:15:PM
DEFAULT help - Vanquis/Cabot Started by Eagle1977 Started by Eagle1977, 11th March 2015, 16:38:PM	2 responses 3,318 views 1 thank	by FlamingParrot 12th March 2015, 00:23:AM
Default applied on old current account with no warning - help needed!! Started by Sparrowlegs Started by Sparrowlegs, 12th January 2015, 23:51:PM	8 responses 3,991 views 0 likes	by nemesis45 13th January 2015, 11:11:AM
Lowells, statute barred debt and defaults Started by notveryimpressed Started by notveryimpressed, 2nd November 2014, 23:41:PM	2 responses 2,997 views 0 likes	by nemesis45 4th December 2014, 11:55:AM
Is now the time to move in on DCA's for wrongful defaults??? Started by Bankers Reform Started by Bankers Reform, 27th March 2014, 22:30:PM	38 responses 11,821 views 1 thank	by notveryimpressed 2nd November 2014, 23:10:PM
ICO - New Principles for the Reporting of Arrears, Arrangements and Defaults. Started by Nibbler Started by Nibbler, 7th June 2014, 04:58:AM	2 responses 5,087 views 6 likes	by Nibbler 26th October 2014, 09:21:AM
Wrongful Default applied to credit file when payments were made as Normal Started by Gemmag Started by Gemmag, 21st August 2014, 12:35:PM	5 responses 3,192 views 0 likes	by Nibbler 27th August 2014, 05:33:AM