Credit File Default

[L1OFF]

I’ve managed to get my “default” removed from my credit file. I had a dongle from T Mobile for my laptop in 2008 and cancelled it in 2010 and though I had paid any outstanding balance off (it was £17 per month) in accordance with the cancellation policy. I moved house around this time and was unaware I owed them an outstanding balance of £17 , they didn’t chase it (or I never received any letters) but as they are not regulated by the consumer credit act, after 6 months a default was placed on my credit file which I was unaware of until I tried to get a credit agreement with a prime lender (Halifax, whom I bank with) was refused and checked with Experian. Now a default is as bad to lenders (doesn’t matter how much, research showed one for 0.57p) as bankrupt, CCJ’s etc and should stay on file for 6 years from the date of default. In the mean time I receive regularly application forms for Vanquish credit cards at 42% interest. I wrote a letter to EE (now own T Mobile) customer services but received no reply so I emailed the Head of Customers Services with a copy of the letter and yesterday received an email saying they are removing it. So it can be done.

[L1OFF]

Will be removed (marked as satisfied in 2011)


Dear Mr Stamp ,

Thank you for your email dated 29 September 2014, addressed to xxxxxxxx, Chief Customer Officer - EE. I have been asked to respond on this occasion.

Please accept my apologies for the issues that you have faced. I understand you were not aware of the £17.00 outstanding balance, due to moving homes. Once you realised, I can see that you made payment for the amount in question.

Due to the above, I have requested that your Credit File is amended. This will ensure that the default is removed from your credit file. The process can take up to 30 days to complete.

Thank you for your patience and for bringing this matter to my attention.

Have a nice day.


Yours sincerely

Edited by L1OFF on Thursday 9th October 11:23

[L1OFF]

Update.

Checked Experian this morning the default is gone and my credit score is now 999.

Happy days.