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  • FIRST POST
    • Chrisblue1962
    • By Chrisblue1962 21st Oct 17, 6:48 PM
    • 1,143Posts
    • 1,830Thanks
    Chrisblue1962
    2nd Default issued by Co-op Bank
    • #1
    • 21st Oct 17, 6:48 PM
    2nd Default issued by Co-op Bank 21st Oct 17 at 6:48 PM
    I entered into a DMP in February 2010 and one of my creditors was a Current Account with the Co-operative Bank, paying them £5.00 a month. They issued a default on my credit file in 6th April 2010, which came off my credit file on 5th April 2017.

    Imagine my horror this morning when I happened to go on my Noddle account to find the Co-op have imposed another default on my credit file on 2nd October 2017, despite the fact that I have paid them £5.00 per month without fail. They gave me absolutely no warning of this second default.

    I phoned the Co-op but the Debt Recovery Unit do not work weekends. Somebody is going to get a right roasting from me on Monday morning .

    Am I right in saying they cannot default me twice?
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    26th December 2017 -
    £14,554.00 - 21.3% paid off.
    Demolishing my House of Debt.. one brick at a time!!
    Thinking of spending???..YNAB says "NO!!!!"


Page 1
    • sourcrates
    • By sourcrates 21st Oct 17, 8:39 PM
    • 13,037 Posts
    • 12,348 Thanks
    sourcrates
    • #2
    • 21st Oct 17, 8:39 PM
    • #2
    • 21st Oct 17, 8:39 PM
    You cannot be defaulted for the same debt twice, that is correct.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • fatbelly
    • By fatbelly 22nd Oct 17, 8:39 AM
    • 11,781 Posts
    • 8,872 Thanks
    fatbelly
    • #3
    • 22nd Oct 17, 8:39 AM
    • #3
    • 22nd Oct 17, 8:39 AM
    But do check the other CRAs

    And do send a complaint in writing

    And check your dates - the first default should have dropped off after 6, not 7, years
    • Chrisblue1962
    • By Chrisblue1962 22nd Oct 17, 11:45 AM
    • 1,143 Posts
    • 1,830 Thanks
    Chrisblue1962
    • #4
    • 22nd Oct 17, 11:45 AM
    • #4
    • 22nd Oct 17, 11:45 AM
    Thank you for the replies, much appreciated. I have drafted a written complaint which I'll be posting tomorrow as well as phoning the Co-op. Will update thread with outcome.
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    26th December 2017 -
    £14,554.00 - 21.3% paid off.
    Demolishing my House of Debt.. one brick at a time!!
    Thinking of spending???..YNAB says "NO!!!!"


    • Dandytf
    • By Dandytf 23rd Oct 17, 6:59 PM
    • 996 Posts
    • 373 Thanks
    Dandytf
    • #5
    • 23rd Oct 17, 6:59 PM
    • #5
    • 23rd Oct 17, 6:59 PM
    But do check the other CRAs

    And do send a complaint in writing

    And check your dates - the first default should have dropped off after 6, not 7, years
    Originally posted by fatbelly
    My letter to co op was posted past few weeks for 2nd default applied.
    Checkmyfile confirmed i write to co op to suspend or remove 2nd default.
    Think any reply from co op is going to take some time.
    sc dmp 2012 13k
    Jan 2018 8840 paid. 60% approx.
    • Chrisblue1962
    • By Chrisblue1962 23rd Oct 17, 7:46 PM
    • 1,143 Posts
    • 1,830 Thanks
    Chrisblue1962
    • #6
    • 23rd Oct 17, 7:46 PM
    • #6
    • 23rd Oct 17, 7:46 PM
    Phoned Co-op this morning. Lady who answered my call listened to my complaint and then sought advice from a manager, She then admitted that the Co-op had made a mistake as the default had been imposed in error and may take upto 30 days to be removed.Noticeable that at no time did she apologise - obviously just not bothered...

    Formal letter of complaint posted today. I re-checked my records and it turns out the Co-op has put a Default on this account no less than THREE times - what a rabble of incompetent idiots - these people are supposed to be trained professionals who know financial rules and regulations but they still scrrewed up TWICE !! .

    Will update when formal response received from the Co-op.
    Last edited by Chrisblue1962; 23-10-2017 at 7:48 PM. Reason: typos
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    26th December 2017 -
    £14,554.00 - 21.3% paid off.
    Demolishing my House of Debt.. one brick at a time!!
    Thinking of spending???..YNAB says "NO!!!!"


    • Chrisblue1962
    • By Chrisblue1962 28th Oct 17, 12:46 PM
    • 1,143 Posts
    • 1,830 Thanks
    Chrisblue1962
    • #7
    • 28th Oct 17, 12:46 PM
    • #7
    • 28th Oct 17, 12:46 PM
    Update: Letter received from Co-op confirming receipt of my complaint so now it's just a case of "wait and see"
    Last edited by Chrisblue1962; 28-10-2017 at 1:05 PM. Reason: typos
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    26th December 2017 -
    £14,554.00 - 21.3% paid off.
    Demolishing my House of Debt.. one brick at a time!!
    Thinking of spending???..YNAB says "NO!!!!"


    • Dandytf
    • By Dandytf 1st Nov 17, 8:28 PM
    • 996 Posts
    • 373 Thanks
    Dandytf
    • #8
    • 1st Nov 17, 8:28 PM
    • #8
    • 1st Nov 17, 8:28 PM
    My reply from co op arrived today
    Co op have checked my default with all 3 credit agencies.
    1 default only is recorded since Jan2015.
    Thankfuly my report has returned to fair today -maybe coincidence though it had seriously dropped past 2 months.
    I’ll need to thank checkmyfile as they ad provided their advise for me to write to co op.
    sc dmp 2012 13k
    Jan 2018 8840 paid. 60% approx.
    • sourcrates
    • By sourcrates 1st Nov 17, 8:31 PM
    • 13,037 Posts
    • 12,348 Thanks
    sourcrates
    • #9
    • 1st Nov 17, 8:31 PM
    • #9
    • 1st Nov 17, 8:31 PM
    My reply from co op arrived today
    Co op have checked my default with all 3 credit agencies.
    1 default only is recorded since Jan2015.
    Thankfuly my report has returned to fair today -maybe coincidence though it had seriously dropped past 2 months.
    Iíll need to thank checkmyfile as they ad provided their advise for me to write to co op.
    Originally posted by Dandytf
    No other explanation ?
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • Dandytf
    • By Dandytf 1st Nov 17, 9:05 PM
    • 996 Posts
    • 373 Thanks
    Dandytf
    No other explanation ?
    Originally posted by sourcrates
    Co op letter states they have contacted link financial to ensure they have the correct default date 2nd jan 15 recorded on their records.

    Thankfuly I’m in 95% acceptance rate again for all aqua cards (though I’m not applying this year)
    80% acceptance rate Tesco 32 month balance transfer card.
    There has been a change as I wasn’t getting any acceptance rate for any cards past few weeks.

    I’ll keep re paying and maybe I’ll get another balance transfer 2018 -though my largest current balance is approx 700 when I got my internal doors this year.

    I’m amazingly happy that my rating has at least returned to ;re building status as it was.

    Forgot to mention -I did drop full time to part time a few months previous. -part time permenantly as I have m.s.
    My wages dropped considerably-though that was best non financial decision I have made.

    Thanks MSER’s + Sourcrates.

    I’ll sleep tonight!
    Last edited by Dandytf; 01-11-2017 at 9:08 PM.
    sc dmp 2012 13k
    Jan 2018 8840 paid. 60% approx.
    • Chrisblue1962
    • By Chrisblue1962 26th Nov 17, 5:46 PM
    • 1,143 Posts
    • 1,830 Thanks
    Chrisblue1962
    Update: Success !!
    I received a phone call from Co-op on Friday to confirm they have upheld my complaint, requested default be removed from my credit history and paid me £100.00 compensation by inconvenience and distress caused - latter will come in handy for Christmas

    Will check credit records in a few days to confirm credit records now clear of Co-op false default.
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    26th December 2017 -
    £14,554.00 - 21.3% paid off.
    Demolishing my House of Debt.. one brick at a time!!
    Thinking of spending???..YNAB says "NO!!!!"


    • Chrisblue1962
    • By Chrisblue1962 10th Jan 18, 8:13 PM
    • 1,143 Posts
    • 1,830 Thanks
    Chrisblue1962
    Another Co-op Fine Mess...
    I've just checked my Noddle report and guess what?....Yup, !! The Default from Hell is back !! . This is now Default No.4 !!!

    Will be phoning the Co-op tomorrow and putting a real crimp in somebody's day....
    Last edited by Chrisblue1962; 10-01-2018 at 8:15 PM. Reason: typos
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    26th December 2017 -
    £14,554.00 - 21.3% paid off.
    Demolishing my House of Debt.. one brick at a time!!
    Thinking of spending???..YNAB says "NO!!!!"


    • sourcrates
    • By sourcrates 10th Jan 18, 9:10 PM
    • 13,037 Posts
    • 12,348 Thanks
    sourcrates
    I've just checked my Noddle report and guess what?....Yup, !! The Default from Hell is back !! . This is now Default No.4 !!!

    Will be phoning the Co-op tomorrow and putting a real crimp in somebody's day....
    Originally posted by Chrisblue1962
    Are you sure itís not just the monthly status update showing ?

    Noddle can take a few weeks to update at times.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • Chrisblue1962
    • By Chrisblue1962 16th Jan 18, 8:38 PM
    • 1,143 Posts
    • 1,830 Thanks
    Chrisblue1962
    Yes, its a new-old default. Phoned the Co-op on Friday 12th and spoke to the lady who dealt with my last complaint and they are investigating. Watch this space .
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    26th December 2017 -
    £14,554.00 - 21.3% paid off.
    Demolishing my House of Debt.. one brick at a time!!
    Thinking of spending???..YNAB says "NO!!!!"


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