CCCS - Defaults on credit file

dannyfleetwood

Quick question.

I have 8 creditors, all of who are paid via my CCCS Debt Management Plan. For the first year one of my Lloyds loans never defaulted, it said AP next to it. However, I am now into my second year with the CCCS and now it says Default next to it. This is because apparently I havent paid them for 2 months despite me paying CCCS my promised payment and my CCCS statement showing as Paid. I am guessing that the CCCS haven't informed them I am going into a second year with an arrangement to pay. Should this default still apply?

Also, my mom is saving for a year, she is then going to write my debts off. I am now in a more stable position than when I had 15 hours per week reduced at work (reason for going on DMP). Would any creditors consider removing the Defaults due to my current circumstance next year?

Reason I ask is because my parents are moving and I either need to Rent or get a mortgage (I would prefer the latter). I need to seriously consider mending my credit report. Any tips and hints?

Thank you.

gizmo111

dannyfleetwood wrote: »

Quick question.

I have 8 creditors, all of who are paid via my CCCS Debt Management Plan. For the first year one of my Lloyds loans never defaulted, it said AP next to it. However, I am now into my second year with the CCCS and now it says Default next to it. This is because apparently I havent paid them for 2 months despite me paying CCCS my promised payment and my CCCS statement showing as Paid. I am guessing that the CCCS haven't informed them I am going into a second year with an arrangement to pay. Should this default still apply?

Also, my mom is saving for a year, she is then going to write my debts off. I am now in a more stable position than when I had 15 hours per week reduced at work (reason for going on DMP). Would any creditors consider removing the Defaults due to my current circumstance next year?

Reason I ask is because my parents are moving and I either need to Rent or get a mortgage (I would prefer the latter). I need to seriously consider mending my credit report. Any tips and hints?

Thank you.

The default is valid and highly unlikely they will remove it and arrangement to pay is still defaulting on your original agreement. Check they have received the payments. Your mum might be better off lending you the money for a deposit on a flat and a months rent in advance - how do you think you could afford to save a deposit to buy a house whilst on a DMP?

dannyfleetwood

When I entered the DMP I was on just £178 per week. I am now on £350 per week but remain on the DMP while I get some savings etc behind me. I plan to pay all my debts off by the end of the year.

dannyfleetwood

Also something that is concerning me....

How come all of my creditors are part of my DMP, some defaulted me in 2011 and some have defaulted me this month. Seems weird?