DEFAULT
REMOVAL
PLATFORM.
A default notice on your credit file blocks mortgages, loans, and credit cards for 6 years. We prepare professional dispute documents to challenge inaccurate, unfairly applied, or improperly served defaults.
3–6w
Resolution
Many
Defaults Prepared
£495
Fixed Fee
Fixed Fee
£495
Payment plans from £247.50
Dispute accepted. Default removed from Experian, Equifax, and TransUnion credit files.
Default Categories
Which Type of Default Do You Have?
Each category has different removal routes and timelines. Click to identify yours.
Inaccurate Default Notice
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Not Served Properly
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Disputed Before Default
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Payment Arrangement Ignored
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Default Amount Disputed
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Statute Barred Default
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How Defaults Work
How Defaults Are Registered — And How We Remove Them
Click each stage to understand what happens at every point in the default process.
Creditor · Stage 01
Account Opened
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Creditor · Stage 02
Payment Missed
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Creditor · Stage 03
Default Notice Issued
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Credit Agencies · Stage 04
Default Registered
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FixMyFile · Stage 05
Our Challenge
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Outcome · Stage 06
Default Removed
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Legal Grounds
Grounds for Default Removal
Understanding your grounds is the first step. Each has a different strength and strategy.
Inaccurate Notice (CCA s.87)
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No Proper Service
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Dispute Raised Before Default
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Unfair Charges
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Creditor Breach
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Statute Barred
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Case Strength
What Makes a Strong Default Case?
Not all defaults are equal. These are the three strongest legal grounds for removal under consumer credit law.
Inaccurate Notice
CCA s.87
The default notice contained incorrect amounts, wrong account details, or missing statutory information required under the Consumer Credit Act 1974.
No Proper Service
CCA s.87
The creditor failed to serve a valid default notice before registering the default — a legal prerequisite that is frequently skipped by creditors.
Dispute Raised Before Default
FCA CONC 7.3
You raised a formal dispute about the debt before the default was registered. Creditors must not file a default while a dispute is unresolved.
Quick Check
Check My Default
Answer 3 quick questions to see how strong your default removal case is.
Question 1 of 3
Was the default notice accurate?
Our Process
From Default to
Clean Credit
Professional dispute preparation — every step handled by our specialists.
Free Eligibility Check
5 minsInstant 5-minute assessment to identify grounds for your default dispute.
Default Review
Same dayFull review of your default notice, account history, and all circumstances surrounding the original registration.
Dispute Drafting
48–72 hrsProfessional preparation of dispute documents targeting the specific legal grounds — creditor and CRA submissions.
CRA Submission Guidance
1–2 daysWe prepare the dispute documents for you to submit to Experian, Equifax, and TransUnion. Filing guidance included.
Creditor Response Handling
3–6 weeksFull handling of creditor responses, follow-up letters, and FOS escalation document preparation if needed.
Default Removed
3–6 weeksOn success, we confirm removal or correction across all three credit reference agencies.
Real Cases
Default Removal Case Studies
Pricing
Simple, Fixed-Fee Only
One fixed fee. No hidden charges. Full service from assessment to CRA update — with a money-back guarantee.
FAQs
Default Removal Questions Answered
A default is a formal marker registered on your credit file by a creditor when you fail to repay a debt as agreed. It stays on your file for 6 years and blocks mortgages, loans, credit cards, and some rental applications. It signals to lenders that you have failed to meet a credit obligation.
Yes. If the default was registered incorrectly — through an inaccurate notice, procedural failure, unresolved dispute, or unfair treatment — it can be challenged and removed. We prepare the dispute documents targeting the specific legal grounds applicable to your case.
The strongest is an inaccurate or improperly served default notice under CCA s.87. Also strong: a dispute raised before the default was registered, the debt was already paid, or the creditor breached FCA fair treatment rules by ignoring a payment arrangement.
Both. We prepare dispute documents for the creditor challenging the default registration, and we prepare CRA dispute submissions for Experian, Equifax, and TransUnion. This dual approach maximises the chance of removal.
After 6 years a default drops off your credit file automatically. If within 6 years, we can challenge it. If the underlying debt is statute barred under the Limitation Act 1980, this provides an additional ground for removal.
Yes. If we are unable to achieve removal after exhausting all reasonable avenues, you receive a refund of your fees minus a £99 administration fee, subject to our Terms & Conditions, including full cooperation and the 14-day claim window.
Legal Boundary Notice
FixMyFile provides document drafting and assisted self-help services. We are NOT solicitors and do NOT provide court representation or reserved legal services under the Legal Services Act 2007. All dispute documents are prepared for you to review, sign, and submit in your own name. For regulated legal advice, please consult an SRA-regulated solicitor.