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I took out a BTL mortgage in 2006. The property was
I took out a BTL mortgage in 2006. The property was repossedessed in 2008 , locks changed and an LPA receiver appointed. This property formed part of my bankruptcy in 2009. I was discharged in 2010. T… read more
Jamie-Law
Jamie-Law
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Bachelor of Laws (LLB)
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Hi Jo, I was defaulted by Halifax in Dec 2010, even though
Hi Jo, I was defaulted by Halifax in Dec 2010, even though I was never a sent a default notice letter. I have repeatedly asked for this, as I'm 100% sure I never got one. I have requested proof of let… read more
James Mather
James Mather
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Hi i went into a currys store an ordered a television. the
Hi i went into a currys store an ordered a television. the store set up a credit agreement with hfc bank . i went bak into the store an cancelled the order as it was not in stock. but the store adn cu… read more
UK-Justice
UK-Justice
Master's Degree
11,008 satisfied customers
My partner took out a trust deed in 2007 and completed the
My partner took out a trust deed in 2007 and completed the trust deed in 2010, he got a letter to show he had finished his payments but no longer has it. I only found out about it recently when we dec… read more
UK-Justice
UK-Justice
Master's Degree
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How can I remove a default sum notice on my credit report.
How can I remove a default sum notice on my credit report. I missed 2 payments the balance is now cleared, but they wont remove the default.… read more
Joshua
Joshua
Lawyer
LL.B (Hons), Prof. Dip. Law & Pract
11,878 satisfied customers
I have two default notices on my credit report for the same
I have two default notices on my credit report for the same debt as Barclays Bank sold the account to Cabot Financial. 1.Both defaults are not in my correct name namely they state Christopher K Gonzal… read more
UK-Justice
UK-Justice
Master's Degree
11,008 satisfied customers
A default shows on our experian credit file. We were late with
A default shows on our experian credit file. We were late with payments to our lender but we paid them back and everything is up to date. How can we remove the default from the experian report. we can… read more
Jo C.
Jo C.
Barrister
Master's Degree
33,309 satisfied customers
Hi guys I lost my job inn nov 2008 due to ill health that
Hi guys I lost my job inn nov 2008 due to ill health that im still suffering from. Capital one agreed i could pay £10 pcm and freeze any interest. However they put a default on my credit reference, is… read more
Daniel Smith
Daniel Smith
Bachelor's Degree
1,213 satisfied customers
Can a hire purchase company issue a default notice when it
Can a hire purchase company issue a default notice when it is accepted from the lender that they are investigating a complaint.… read more
Jo C.
Jo C.
Barrister
Master's Degree
33,309 satisfied customers
I have been asking RBS to remove three default notices they
I have been asking RBS to remove three default notices they placed on my credit file. I have been succesful in that they removed one ( an over site they say?), but they are refusing to remove the othe… read more
Jo C.
Jo C.
Barrister
Master's Degree
33,309 satisfied customers
i have a default showing on an account i had for a car i purchased
i have a default showing on an account i had for a car i purchased 3 years ago. I always made the payments and had paid back over 50% of the finance when I eventually gave back the car to use as settl… read more
Joshua
Joshua
Lawyer
LL.B (Hons), Prof. Dip. Law & Pract
11,878 satisfied customers
I noticed after the fact that a defaut notice had been placed
I noticed after the fact that a defaut notice had been placed on my credit file by Hutchison 3G. I was in dispute with them regarding a handset repair and I asked for a total to cancel my contract. Th… read more
Joshua
Joshua
Lawyer
LL.B (Hons), Prof. Dip. Law & Pract
11,878 satisfied customers
can a lender reposses a vehicle after defaulting and what procedures
can a lender reposses a vehicle after defaulting and what procedures do they have to follow without breaking the law, the vehicle was removed of my drive without my knowledge, after returning home fou… read more
Jo C.
Jo C.
Barrister
Master's Degree
33,309 satisfied customers
I am in dispute with a Credit Card Company as have Default
I am in dispute with a Credit Card Company as have Default notification allowing me until 31st July to settle arrears. As away did not contact them until that day only to find that they had registered… read more
Chris_H
Chris_H
Consultant Solicitor
Bachelor's Degree
1,081 satisfied customers
I had a balance with mbna and kept requesting that they give
I had a balance with mbna and kept requesting that they give a settlement figure, they didnt do this and eventually sold my debt to hillesden securities, i settled this account but mbna had already pu… read more
UK
UK
Legal Adviser
Vocational, Technical or Trade Scho
1,760 satisfied customers
hi! I have got a default on my credit report which is not mine.
hi! I have got a default on my credit report which is not mine. I have spoken to experian and they said that they would put in a notice of correction within 7 days it is now coming up to 2 week. What … read more
Thomas Judge
Thomas Judge
9,955 satisfied customers
I have requested my credit card lender to supply me a copy
I have requested my credit card lender to supply me a copy of my executed credit card agreement so i can see if they have the agreement and then whether it complies with the consumer credit act of 197… read more
Jo C.
Jo C.
Barrister
Master's Degree
33,309 satisfied customers
Hi I purchased a phone through a third party, onestopphoneshop.
Hi I purchased a phone through a third party, onestopphoneshop. The service provider is with o2 the contract has defaulted and I believe unlawfully so. I was told that if I requested proof of a signed… read more
Jo C.
Jo C.
Barrister
Master's Degree
33,309 satisfied customers

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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