Please Help! Triton Credit wrong default date

Plymouthposer · 28 April 2012 at 1:31AM

Hi

I had an overdraft with RBOS which I ran satisfactorily. However they allowed an old business credit card debt which i had personally guaranteed to be taken from my personal overdraft putting me over my limit. They issued me with a notice for repayment which I could not do. The debt was given to Triton Credit. This was all in about 2007. I have virtually no original paperwork except a default notice from 2008.

I made an arrangement with Triton which I adhered to and the debt was eventually settled by agreement in 2010. Despite my paying regularly during this time, when I looked at my credit reports, Triton have said I defaulted the month before I settled! This is in 2010.

I have written to both RBOS and Triton but they have both ignored my letters. What can I do?

I need to apply for a mortgage and so really need to get this sorted.

happy_bunny_2 · 28 April 2012 at 8:27PM

Google "ICO default guidelines'. This shows when defaults should be applied.

did you send your complaints signed for?

How long ago did you complain?

after 8 weeks of no reply, you can refer to Financial Ombudsman service. If you sent one letter not signed for, likely they just ignore. you could refer to FOS after 8 weeks and enclose the original letter, they will then look into it.