Multiple Default notices

Chrisblue1962

HI folks

I apologise in advance if this topic has been raised before.

Is it legal for a creditor to issue multiple Default notices to a person who is on a DMP and adhering to payments?

One of my creditors, Co-operative Bank, insists on sending out Default notices every six months or so, so in effect they have a "rolling" default notice which wont come off my credit profile until 6 years after I completely pay off their debt. I recall one or two of my other creditors have re-issued Default Notices since I started my DMP in July 2009 too.

Any thoughts / advice welcome.

DVardysShadow

A default notice is a piece of paper, they can send as many as they like. But for each debt on your credit record, a default can be registered once and only once. What is on your credit record? [Never mind your credit score, don't throw good money after bad to get that.]

Chrisblue1962

Thanks for your reply. I'm in the process of obtaining my credit record so I'll let you know when I've compiled the information.

happy_bunny_2

And the date of the default should never change. If it does complain

Chrisblue1962

Thanks happy_bunny, I've started to receieve my credit reports so I'll go through them with a fine tooth comb.

fermi

Don't confuse "notices of sums in arrears" and "notices of default sums" with an actual default notice.

A notice of sums in arrears has to be sent out every 6 months under the Consumer Credit Act 2006 changes. It's not a new default each time. Just info on what is now in arrears under the account.