Defaulted account now marked as satisfied (I'm confused)

glynb

Hi everyone.

Ok, in september 2013 I wrote to Lowell to make them aware that a particular account was statute barred as from the previous month. I had a letter from them saying that this was infact the case and they will not be contacting me any further regarding the debt. I have just checked my credit file as I assumed it would have dropped off by now but the status has been changed from default to satisfied in October 2013. Should this have not been removed from my credit file by now? Is there any way I can get this removed from my credit file? I'm dreading that it is going to be there for another 6 years!

Thanks for your time

Glyn

Tixy

Does the original default date still show? but just that it is satisfied?

Or does the account entry now not mention a default at all and show as settled?

What is (or was) the default date from your credit file?

glynb

Hi Tixy,

Thank you for your reply, The original default was August 2007 but Lowell had changed the date (or reported the default date on my credit file) to 2010 for some reason and this date still shows on my credit file.

On my callcredit file it says reported until May 2016?

The status says (from my file) Satisfied on call credit but still says default on equifax.

Regards,

Glyn

rizla_king

Lowell taking the pish with default dates again then? Complain to Lowell showing them a copy of the original, and threaten to take then to the FOS and ICO.

sirwiggum

Defaulted accounts usually mark as Satisfied once paid.

But they're still Defaulted accounts, still nasty on the credit file.

Sounds a bit unfair moving your default date from 2007 to 2010.

glynb

I've lodge a complaint with the FOS and ICO. Thanks for the advice.

happy_bunny_2

glynb wrote: »

I've lodge a complaint with the FOS and ICO. Thanks for the advice.

You should do the same with Lowell. In writing. Mention you referred to ICO and FOS.

glynb

Well, I have a reply from Lowell. This is what they have said :

"After looking through the account I can see that your concerns were previously raised directly with Blackhorse.

The information reported for this account is correct. Blackhorse have checked their records and have confirmed that the vehicle was sold in September 2007 and the proceeds were applied against the outstanding balance.

Your last payment was on the 31st October 2007. However, the account entered into default with Blackhorse on the 21st May 2010."

I have a letter from Lowell stating that this debt is statute barred.

Any idea's where I go from here?

Regards,

Glyn

rizla_king

glynb wrote: »

Your last payment was on the 31st October 2007. However, the account entered into default with Blackhorse on the 21st May 2010."

What a crock of bullsh!t!

Tell them that entering a default 3 years after the last payment is clearly inaccurate and not a fair representation of the account history. By recording a false default date they are in breach of the Data protection Act and ICO guidelines. You will be taking them to the FOS and ICO unless they correct the false information.

climbingoutoftheabyss

If it helps I had a similar experience, but Lloyds TSB

I went in to a DMP in 2007, I was making payments to them via this however they still defaulted my account, but in 2012.

I complained and was told that this was the correct date by Lloyds, so I appealed to the Financial Ombudsman. I explained that the guidelines on defaults issued by the Information Commission show clearly that any date of default should be when the breakdown of the contract took place.

My argument was that the contract broke down in 2007 and not 2012. The FO agreed with me and Lloyds were told to change the date of the default from 2012 back to 2007 (which took it from my file).

So, keep pushing, it took me over 6 months to get the default off my file, so persistence is the key with this.

glynb

Is it worth me ringing blackhorse to try and get this sorted out?