black horse default, after SEQUESTRATION

kazybaby0141

Hi there, I am in Glasgow.

I was sequestrated in 2006, and formally discharged in July 2009.

I went to open a bank account in July 2010, and was refused an overdraft because Black Horse Finance defaulted me in June 2007.

This was for a HP Vehicle agreement in March 2002.

It was for a 4 year finance agreement that was to end in March 2006, but I handed the vehicle back to the finance company in 2004

I handed the vehicle back, because of my termination legal rights that allows me to hand the vehicle back after I have paid half the HP agreement.

They had defaulted me for £4,000, they said this was missed payments, and interest

After writing to Black horse several times, they have amended my credit file to show that the file has been: Partial Settlement, and Satisfied, they have now changed the default from June 2007 to July 2006, when I was sequestrated.

This is what it now shows on my credit file, will this still affect my credit rating, and can I challenge this, as it is starting to annoy me.

Black horse are the only creditor out of 9, that were part of my sequestration, that are continuing to affect my credit after my sequestration.

Can you advise, Thanks

Falze

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