Date of Default

glentoran99

I have been going through my credit reports and see a lot of my defaults have been registered a lot later than ICO guidelines say they should be, eg after 6 months,

Can someone point me in the direction of what i should do to try and get this sorted, letter templates etc

happy_bunny_2

No templates for this.

Write, complain, ask them to correct the date as per the guidelines.

If the refuse, refer to FOS.

Simples

scottygees

I have a similar concern where I have been on a DMP for 4 years. One of the debts has been sold and the collection agency has now registered the default

doozeruk

Now seeing the same problem. Trying to get a mortgage but Argos defaulted me 18 months after my first arrears which I never recovered from and ended up on a self payment plan. Now because it isn't in line with the rest of my defaults over 2 years ago I am stuck not being able to get a new mortgage! Frustrating.

So the answer is to write to Argos first and then if they refuse go the ombudsman route?

happy_bunny_2

doozeruk wrote: »

Now seeing the same problem. Trying to get a mortgage but Argos defaulted me 18 months after my first arrears which I never recovered from and ended up on a self payment plan. Now because it isn't in line with the rest of my defaults over 2 years ago I am stuck not being able to get a new mortgage! Frustrating.

So the answer is to write to Argos first and then if they refuse go the ombudsman route?

Yep. Right way to go.