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    • Worried Girl
    • By Worried Girl 13th Mar 17, 4:48 PM
    • 89Posts
    • 54Thanks
    Worried Girl
    Getting creditor to change default date?
    • #1
    • 13th Mar 17, 4:48 PM
    Getting creditor to change default date? 13th Mar 17 at 4:48 PM
    Hi

    I entered a Debt Arrangement Scheme (DAS) Scotland in October 2011. From this I now have 3 defaults my credit file. M&S and RBS have marked default from the date I entered this scheme (27.10.11) however MBNA have marked the default April 2012.

    I have just had a baby and we are desperately hoping to be able to get a mortgage once the defaults have gone and were hoping for the end of this year. Is there anything I can do to get MBNS to change the date to 27.10.11?

    Many thanks
Page 1
    • ashp
    • By ashp 13th Mar 17, 8:23 PM
    • 403 Posts
    • 133 Thanks
    ashp
    • #2
    • 13th Mar 17, 8:23 PM
    • #2
    • 13th Mar 17, 8:23 PM
    Hi,

    It's worth contacting them to ask however it's unlikely they will change this. A default is normally registered on your credit report 3-6 months from the date you went in to arrears.
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