Hi,
I'm hoping someone will be able to help me as I am in desperate need of having a default removed from my credit record as it is effecting my ability to apply for a mortgage.
Basically, a few years ago I think (was a while ago and I can't be sure) I signed a Tesco mobile phone contract for an ex (I know this was incredibly stupid on my part and have definitely learnt my lesson) and the phone which was terminated early (by her, not me) and had a termination fee of £501. I passed this information on to her to be paid (all billing came from her account, we lived in different houses), but it looks as though it hadn't. I received a letter from Lowell early on this year saying the Tesco mobile debt has been sold to them and now owns it. I was mortified at this and immediately signed up to noddle to check my credit rating to see if there was any negative information logged which there wasn't. I have since paid the amount in full to Lowell, and since then a default has been added to my credit report as well as being linked to her address.
The only contact I had from Tesco was the final bill, I have received no emails or letters saying that this was outstanding, or payments were being missed or a default would be added. If I had, I would of paid them immediately so this exact thing wouldn't of happened.
I have recently received my £2 credit check from Equifax and currently awaiting the pass key for access to the £2 Experian credit report. The Equifax report does have two individual logs One from Lowell with the initial default date, and then the settled balance date, as well as one from Tesco with the missed payments and inevitably the default about 6 missed payments later, however this doesn't say settled ?.
Also probably worth noting I also received a "notice of assignment" accompanying a letter from Lowell apparently from Tesco saying that lowell had bought the debt. However, it looks like its been printed from the same lowell computer/printer (can tell from the printed file location on the right of the letter). The reference in the top left is the same, the dates on them are exactly the same and the letter isn't signed by anyone from Tesco.
Do I have any chance of removing this default and linked address from my credit profile, if so, how would I start going about it ?
Huge thanks for any help in advance.
I'm hoping someone will be able to help me as I am in desperate need of having a default removed from my credit record as it is effecting my ability to apply for a mortgage.
Basically, a few years ago I think (was a while ago and I can't be sure) I signed a Tesco mobile phone contract for an ex (I know this was incredibly stupid on my part and have definitely learnt my lesson) and the phone which was terminated early (by her, not me) and had a termination fee of £501. I passed this information on to her to be paid (all billing came from her account, we lived in different houses), but it looks as though it hadn't. I received a letter from Lowell early on this year saying the Tesco mobile debt has been sold to them and now owns it. I was mortified at this and immediately signed up to noddle to check my credit rating to see if there was any negative information logged which there wasn't. I have since paid the amount in full to Lowell, and since then a default has been added to my credit report as well as being linked to her address.
The only contact I had from Tesco was the final bill, I have received no emails or letters saying that this was outstanding, or payments were being missed or a default would be added. If I had, I would of paid them immediately so this exact thing wouldn't of happened.
I have recently received my £2 credit check from Equifax and currently awaiting the pass key for access to the £2 Experian credit report. The Equifax report does have two individual logs One from Lowell with the initial default date, and then the settled balance date, as well as one from Tesco with the missed payments and inevitably the default about 6 missed payments later, however this doesn't say settled ?.
Also probably worth noting I also received a "notice of assignment" accompanying a letter from Lowell apparently from Tesco saying that lowell had bought the debt. However, it looks like its been printed from the same lowell computer/printer (can tell from the printed file location on the right of the letter). The reference in the top left is the same, the dates on them are exactly the same and the letter isn't signed by anyone from Tesco.
Do I have any chance of removing this default and linked address from my credit profile, if so, how would I start going about it ?
Huge thanks for any help in advance.
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