credit default problems
Discussion
Already put this in the proper forum but that is deader then a dead thing that has been severely beaten with a big dead stick and then run over by a train on its way to dead central deadsvile
We currently have a problem with orange who have decided to put a default on helens credit rating which is great when you are trying for a mega mortgage.
The story is she got a phone fecking years ago where you just payed for the calls and no line rental and that was taken off her bank account via direct debit. All fine and dandy. Skip forward a few years and that phone is stuck in a drawer and forgotten about while she had another orange phone and orange broadband all at this address.
We applied for a mortgage to finance the purchase of thintowers and it came back as one of us has a bad credit rating.
So off we trot to the equifax website and get our credit thingys and it turns out that helen has a default against her from orange in september last year. As quite suddenly the old account from 2001 had £11 on it from as far as we can tell nowhere as the phone is never used. We have receive zero communications from them with regards this debt and our orange broadband and her orange mobile have been paid off every single month without fail and they have been sending her mobile phone bill to our current address so it is not like orange don't know where the hell we are.
So we call up orange and settle our huge debt of £11
Now how the hell do we get the default off of her credit rating
We currently have a problem with orange who have decided to put a default on helens credit rating which is great when you are trying for a mega mortgage.
The story is she got a phone fecking years ago where you just payed for the calls and no line rental and that was taken off her bank account via direct debit. All fine and dandy. Skip forward a few years and that phone is stuck in a drawer and forgotten about while she had another orange phone and orange broadband all at this address.
We applied for a mortgage to finance the purchase of thintowers and it came back as one of us has a bad credit rating.
So off we trot to the equifax website and get our credit thingys and it turns out that helen has a default against her from orange in september last year. As quite suddenly the old account from 2001 had £11 on it from as far as we can tell nowhere as the phone is never used. We have receive zero communications from them with regards this debt and our orange broadband and her orange mobile have been paid off every single month without fail and they have been sending her mobile phone bill to our current address so it is not like orange don't know where the hell we are.
So we call up orange and settle our huge debt of £11
Now how the hell do we get the default off of her credit rating
thinfourth2 said:
Already put this in the proper forum but that is deader then a dead thing that has been severely beaten with a big dead stick and then run over by a train on its way to dead central deadsvile
We currently have a problem with orange who have decided to put a default on helens credit rating which is great when you are trying for a mega mortgage.
The story is she got a phone fecking years ago where you just payed for the calls and no line rental and that was taken off her bank account via direct debit. All fine and dandy. Skip forward a few years and that phone is stuck in a drawer and forgotten about while she had another orange phone and orange broadband all at this address.
We applied for a mortgage to finance the purchase of thintowers and it came back as one of us has a bad credit rating.
So off we trot to the equifax website and get our credit thingys and it turns out that helen has a default against her from orange in september last year. As quite suddenly the old account from 2001 had £11 on it from as far as we can tell nowhere as the phone is never used. We have receive zero communications from them with regards this debt and our orange broadband and her orange mobile have been paid off every single month without fail and they have been sending her mobile phone bill to our current address so it is not like orange don't know where the hell we are.
So we call up orange and settle our huge debt of £11
Now how the hell do we get the default off of her credit rating
When you paid the 11 quid, I assume you told them to remove the adverse report from Equifax and Experian?We currently have a problem with orange who have decided to put a default on helens credit rating which is great when you are trying for a mega mortgage.
The story is she got a phone fecking years ago where you just payed for the calls and no line rental and that was taken off her bank account via direct debit. All fine and dandy. Skip forward a few years and that phone is stuck in a drawer and forgotten about while she had another orange phone and orange broadband all at this address.
We applied for a mortgage to finance the purchase of thintowers and it came back as one of us has a bad credit rating.
So off we trot to the equifax website and get our credit thingys and it turns out that helen has a default against her from orange in september last year. As quite suddenly the old account from 2001 had £11 on it from as far as we can tell nowhere as the phone is never used. We have receive zero communications from them with regards this debt and our orange broadband and her orange mobile have been paid off every single month without fail and they have been sending her mobile phone bill to our current address so it is not like orange don't know where the hell we are.
So we call up orange and settle our huge debt of £11
Now how the hell do we get the default off of her credit rating
It will take three months probably for this to disappear. You'll have to get a letter from Orange to show to the bank explaining you've settles the issue.
PM me if you have more problems.
when did it default? defaults should only stay on for 6 years (IIRC) regardless of whether they have been settled or not.
This is from the date of default, not the inception of the credit agreement.
I had exactly the same problem as you and its a major league pain in the arse, in my case a letter explaining the situation to the lender via my broker sorted it out.
This is from the date of default, not the inception of the credit agreement.
I had exactly the same problem as you and its a major league pain in the arse, in my case a letter explaining the situation to the lender via my broker sorted it out.
Ahh the Virgin equivalent plan. No line rental just pay for calls.
Id ring Orange and get it sorted, however, I am surprised you have not had a debt collection letter even for that little amount, especially as it was so long ago!
ring 150 option 1 from your Orange phone and its free, or from landline or any other network 07973 100 150 option 1 and forget which option then (option 3 perhaps)
Id ring Orange and get it sorted, however, I am surprised you have not had a debt collection letter even for that little amount, especially as it was so long ago!
ring 150 option 1 from your Orange phone and its free, or from landline or any other network 07973 100 150 option 1 and forget which option then (option 3 perhaps)
paoloh said:
The default will always remain whether you have paid it or not.
Hence credit "history"
IIRC
Hence credit "history"
IIRC
Experian website said:
A defaulted account is removed from your report after six years whether or not you have paid the debt in full.
This is six years from being in default of the credit agreement.There is a LOT of info about this sort of thing here
http://www.consumeractiongroup.co.uk
Also you might try www.moneysavingexpert.co.uk forums,
Both websites have lots of "form" letter to send to creditors etc to request removal of nasty stuff from you record.
Edited by davido140 on Monday 1st June 00:35
davido140 said:
paoloh said:
The default will always remain whether you have paid it or not.
Hence credit "history"
IIRC
Hence credit "history"
IIRC
Experian website said:
A defaulted account is removed from your report after six years whether or not you have paid the debt in full.
This is six years from being in default of the credit agreement.There is a LOT of info about this sort of thing here
http://www.consumeractiongroup.co.uk
Also you might try www.moneysavingexpert.co.uk forums,
Both websites have lots of "form" letter to send to creditors etc to request removal of nasty stuff from you record.
Edited by davido140 on Monday 1st June 00:35
paoloh said:
The default will always remain whether you have paid it or not.
Hence credit "history"
IIRC
Its correct that the default will stay there for six years.Hence credit "history"
IIRC
However, it will be marked as 'satisfied' now it has been.
Which may send the application down a slightly different path in the scoring tree.
So rather than a rejection it may send the proposer down a 'sub-prime' path or similar.
Its all down to the lender as to how they manage their scoring tree.
In the current climate, a default (even a small one from a phone co) is a pain in the arse.
I would say the Op needs to go back to Orange and argue the toss... this will almost certainly be a waste of time. Mobile phone co's do nothing about their billing problems, they simply slap a default on the account holder.
1. Ask them where the £11 came from.
2. Ask them where the letters were sent to.
3. I'm not sure but you might be able to take it up with ofcom.
Further edit, you'll still be wasting your time......
Who's the lender?
I would say the Op needs to go back to Orange and argue the toss... this will almost certainly be a waste of time. Mobile phone co's do nothing about their billing problems, they simply slap a default on the account holder.
1. Ask them where the £11 came from.
2. Ask them where the letters were sent to.
3. I'm not sure but you might be able to take it up with ofcom.
Further edit, you'll still be wasting your time......
Who's the lender?
Edited by scotal on Monday 1st June 14:33
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