Removing a default notice

leelnj

i entered into a debt management programme with gregory pennington in Aug of 2008 to pay £5 a month of an overdraft with halifax. After 2 years of paying the £5 a month i came into some money and asked gregory pennington to arrange a settlement fee with halifax in oct 2010. Halifax then passed my file to the collections team to arrange a settlement figure. At this point they issued a default on my credit file even though i wanted to settle the account. They stated there normal policy for issuing a default when entering into an arrangement is to monitor the file for normally 3 to 6 months (maximum 12 ) and if your file does not change they send to the collection team where they will freeze the interest and issue a default at this stage. They have issued the only default in oct 2010 when i wanted to settle which is now really affecting my credit. Can i get this changed

garethplant1970

I have never heard of that, I would seek legal advice. Defaults are very hard to get removed it seems whether you're in the right or wrong. The way defaults are applied needs to become more strictly controlled as they considerably affect peoples ability to obtain any credit, even open a normal bank account for six years.