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  • FIRST POST
    • bluemonday3
    • By bluemonday3 13th Jan 18, 12:12 PM
    • 195Posts
    • 30Thanks
    bluemonday3
    Default dispute
    • #1
    • 13th Jan 18, 12:12 PM
    Default dispute 13th Jan 18 at 12:12 PM
    Hi
    I am looking for some advice as I have been complaining to Wescot who manage my Lloyds debt re the date of default.
    I have a letter dated March 2011 and they say the date on their system & my credit file is May 2013.
    This has been going on since April 2017, (I have not been well and been unable to pursue this I would have normally)
    To cut a long story short, Lloyds spoke with me yesterday and say that default date was correct as the letter sent in 2011 was just a warning and that I met my contractual terms so they did not record this default then(I am not sure about this as have been in a DMP with stepchange since 2009)
    However some payments were missed in 2011/2012 where they received doubled up payments from stepchange?? which meant they defaulted me as I had then broken terms.
    They have given me £10 so that I can request a DSAR but ultimately they are telling me I would not have been defaulted if Stepchange had not missed these payments.
    I have not missed one payment to step change since I began in 2009.
    I know the default will drop off in May this year but I feel aggrieved about this and do not know who to believe re the default, Lloyds or are they right to blame stepchange??
    any advice would be appreciated.
Page 1
    • sourcrates
    • By sourcrates 13th Jan 18, 12:33 PM
    • 13,066 Posts
    • 12,375 Thanks
    sourcrates
    • #2
    • 13th Jan 18, 12:33 PM
    • #2
    • 13th Jan 18, 12:33 PM
    Hi,

    The alternative to a default are "AP" markers (arrangement to pay) they stay on your credit file 6 years after you have paid off the debt.

    So really, you have had the best deal considering you were in a DMP at the time, which will of trashed your file anyway.

    If you chose to pursue this via the ICO and say you won, the bank would most likely, replace the default with an AP marker, so you would potentially be worse off.
    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/
    • bluemonday3
    • By bluemonday3 13th Jan 18, 12:52 PM
    • 195 Posts
    • 30 Thanks
    bluemonday3
    • #3
    • 13th Jan 18, 12:52 PM
    • #3
    • 13th Jan 18, 12:52 PM
    ok thanks for this information. Lloyds told me they bring all defaults in line in with each other as I have another account with a later default so this will be marked with the same default as 2012 one?? not sure if this is right as it isn't now!
    I just feel frustrated that Wecot are blaming Lloyds(fair enough) but Lloyds are blaming Step change
    • sourcrates
    • By sourcrates 13th Jan 18, 12:54 PM
    • 13,066 Posts
    • 12,375 Thanks
    sourcrates
    • #4
    • 13th Jan 18, 12:54 PM
    • #4
    • 13th Jan 18, 12:54 PM
    ok thanks for this information. Lloyds told me they bring all defaults in line in with each other as I have another account with a later default so this will be marked with the same default as 2012 one?? not sure if this is right as it isn't now!
    I just feel frustrated that Wecot are blaming Lloyds(fair enough) but Lloyds are blaming Step change
    Originally posted by bluemonday3

    If it drops off in May anyway, is it worth pursuing it now ?
    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/
    • bluemonday3
    • By bluemonday3 13th Jan 18, 1:01 PM
    • 195 Posts
    • 30 Thanks
    bluemonday3
    • #5
    • 13th Jan 18, 1:01 PM
    • #5
    • 13th Jan 18, 1:01 PM
    No I guess not !
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