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DMPs, defaults and non-defaults - anyone help?
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Fermi I have three who've not defaulted and its been 1 1/2 since I started out on DMP, do I have any rights if they suddenly attach a default between now and 2013 when I should be debt free?Debt at LBM - £11,505Debt 2011 = [STRIKE]8K[/STRIKE] £7760 - DF in July 2013DMP Paddle no. 1 Sealed Pot No. 1375Grocery Challenge Aug £418.31/£450 Sept £ /£4500
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I would be more than grateful if someone could help me with something on this front.
I have been in touch with a mortgage adviser who has told me with my deposit amount and earnings along with my fiancees that we can afford a mortgage as soon as my default hits 2 years (this default is for £47)
The thing that I don't get is that they have already slapped a default on for that account for £244 on 05/10/2008 but the second (£47) defaulted on 05/04/2010! Can they do this for an account taken out in 2008 and take over 2 years to change it to default? Seems they are trying to tarnish my credit file as long as they can do. Any help will be hugely appreciated.
Oh if it helps one is for FCS and the other is "gone away". Can they just willy nilly lee add these defaults.0
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