Frequently Asked Questions...
How can i get rid of a 'default' on my credit file?
I recently discovered i have a default on my credit file which is preventing me from getting a mortgage through a reputable lender.
The default is over a mobile phone contract for 100 quid which i simply stopped paying as they wouldnt give me any option to terminate the contract when i temporarily moved overseas, and since i had moved i didnt receive any of the warning letters.
I have sent several letters asking if the default can be removed given the circumstances ( and i have paid the full ammount owed) but the phone company insist they will not remove the entry.
i can get a shady mortgage through dodgy firms ok but i feel this is unfair since this default is the only blot on my credit file and i refuse to be forced down this route.
any similar experiences?
would i have been better off settling the account by some other means than complete payment?
thanks for any help or advice.
I should add that this is UK credit file and companies concerned.
Answer:
the best way is to wait for it to expire. I am not familiar with the laws in the UK but I am sure they are similar to in the US. Here, the maximum time anything can spend on your report is 10 years (judgements and serious repossessions) and other things last 7 (bankruptcy and most loans) or even only 5 (this is for things like checking accounts)
If you paid the balance in full, your report should indicate that. But you cant make them remove the delinquency from your report.
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Haiti news: Hunger strike in Ethnology
Lying on his bed at the doorstep of the office of Dean, Billy Marcuny, 26, does not eat more. It is a hunger strike for nine days with four other students whose Exantus Georges Toussaint and Amos Gregor, expelled from the Faculty of Ethnology to have, as the Dean, attacked Professor Jean-Yves Blot, vice dean for research. The look pale, dry lips, Billy Marcuny, despite its weakness, strongly condemns. "The expulsion of students is arbitrary and illegal because it does not comply with internal regulations of the faculty," he spits in refuting any aggression against Professor Jean-Yves Blot in the afternoon of July 9, 2010.
"Quite the contrary. Blot was the aggressor. He admitted on Radio Ibo, and a medical certificate of the student victim proves, "said Billy Marcuny acid, with respect to the deanship, which according to him, retaliated against some students because of their political and ideological positions. "Yes, there is a rotten climate for faculty. It is not due to violence of some students as alleged, but the appalling conditions of the faculty, "which defends the striker to claim - in addition to reforming the UEH - is the reference, among other , Jean-Yves Blot, accused, and Professor Antoine Augustin, who has resigned the deanship of "nepotism" and "cronyism".
Blot stays afloat
"I do not resign," says, without flinching, with a strong emphasis northerner, Professor Jean-Yves Blot, Wednesday, February 23, 2011. "I was assaulted by students and Fred Williamson Eliassaint Exantus George Gregor after the release notes of the course Introduction to Anthropology," says the professor. "Some students who are not satisfied with their results threw stones on the roof of the hall where I provide the course after the publication of results. And by the way, between this room and my office, Fred Williamson Eliassaint, who had a bottle of Malta, on hand hit me in the face, "says Jean Yves Blot, which returns as the death threats made by Toussaint Amos , one of the strikers, following the publication of the dean's decision to expel the offending student. "Toussaint Amos has subsequently been expelled because of the destruction of the billboard and death threats uttered against the general secretary of the faculty," says Blot
Rector supports Blot
We must punish those who hit the teacher. Without penalty, it would drift. Drift very serious for the entire education system, "says President John Henry Vernetm who applied for humanitarian reasons, the presence of the Red Cross at the bedside of the strikers. "If there is a public apology, we can reconsider the sanctions," said the rector, who said he expressed his views on the issue of educator to the issuance Magik Panel on Radio Magik 9 (100.9 mhz FM). According to Mr. Vernet, the University is not immune to violence. In Haiti, for some time, it resorts to violence to solve problems. Which is a shame, he says, without minimizing the right to challenge one and all.
No means to reform UEH
"The Haitian government has recently allocated 3 million bottles in the commission's reform UEH to do its job," said the rector, who admits to not having the means of its ambitions. The budget for the financial year 2010/2011 UEH is 467 million bottles, half of what was requested, "says Vernet envelope which investment is 191 million bottles, while good number of schools collapsed or were damaged in the earthquake of January 12, 2010.
The Online Campus is back in the spotlight because of this hunger strike, at a time when it was virtually forgotten. "They make fun of knowledge in this country, and as always they are the agitators who attract attention," lamented a student of the Faculty of Ethnology brutalized recently for paying the required additional 100 water bottles this year for the number.
"The learning conditions in schools and particularly to the Ethnology are execrable. That's true. But this is not a reason to break everything, insulting and assaulting teachers who do not agree with the agitators, "she connects. "Like me, most students live in slums. Are they set fire to their homes because they do not have cable, hot water, the toilet? "She asks, acrimonious towards those who, she says, make him waste his time.
Meanwhile, the five strikers in the midst of elections, have attracted the attention of the press. However, nobody can predict the outcome of this new episode that exposes his nakedness "flood" the problems of UEH and flippant attitude, not the company concerned to address the knowledge, facing the university. Haiti news
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