Credit report question

Moglet

A bit of background. My partner has been in a DMP with Payplan for over 6 years. Most of his creditors defaulted after 2 to 3 months and these have now dropped off his credit file.

However 1 didn't default until they sold the debt on so their entry had a default date of 2006 and showing as fully settled. There is another default for a phone bill that was properly settled in full as soon as he found out his ex wife hadn't been paying the bill. This was from 2005.

Finally 2 creditors didn't default at all and they've still been charging some interest and charges etc.

He's spoken to the creditors about the late defaults, asking if they would consider moving the date back to when he actually defaulted so they'll drop off the file sooner. He's also spoken to the creditors charging interest and late fees and explained this wasn't his fault, his payment has never been late etc.

He's left Payplan and doing it himself now so this have involved lots of checking of his credit report and we noticed last night that a week ago all 4 of these accounts have dropped off this credit file which seems a tad odd. In fact I'm not sure he'd only just spoken to the creditors at that point, the requests were made over the weekend.

We can tell from alerts on the file that it seems possible for account data to be deleted and then reinstated but would there be a delay in over a week?

Had anyone else ever had this happen to them? Will they come back?

DarkConvict

Under OFT guidelines defaults should be placed within 6 months of u default (i.e. last payment that was not late/missed).
This is so defaults are fair and the affect of a bad debt only lasts 6 years. They cant hold off on placing a default.

Furthermore defaults, have to be lawfully placed and this involves them sending a default notice, was this even done.

Moglet

He's spoken to Equifax who have said accounts aren't deleted and reinstated as part of the update process although there's an awful amount of new agreement added, new agreement deleted in the alerts section so god knows what's happening there.

The chap also said only the lenders could remove the accounts so he feels they must have removed them although he admits he's pretty odd. He also said once an account is removed is very rare for it to put back.

I've checked the timings again and I'd got confused. The defaults were there on the 26th. First contact was made with the creditors on the 25th. More calls were made to the creditors about the defaults in particular on the 31st but the defaults had vanished by the 31st.

His old mortgage account has also disappeared which was settled in 2006 and never had any late or missed payments - this shouldn't have dropped off until 2012. However he'd also noticed his ex wife was on his report linked through the mortgage so he asked for her to removed, citing the mortgage was settled in 2006. So she's gone plus the mortgage account.

He can't remember for sure what default notices he got but he does remember getting some. We were nervous of how to handle barclaycard given they could slap a default on his accounts now and !!!!!! things up for the next 6 years but after reading the guidelines I feel confident now we could complain if they tried that.

I guess it's a bit much to hope for but hopefully they backdated the defaults to the correct time and now they've also dropped off although that doesn't explain barclaycard as they never issued a default so would need to issue the notice now surely?