Incorrect default date on credit file

Mathelize

I got a cahoot credit card with £2000 credit limit in 2006 and stopped making repayment mid 2007. I ignored several letters. When I checked my credit file with checkmyfile I discovered they only placed default on it in February 2011, which means it'll come off in 2017. What can I do to get this removed?
Any advice will be appreciated.

fermi

Any default date should be accurate. If it's not that is a breach of the Data Protection Act and it's principles.

See the guidelines that applied at the time for what should have been done.: http://www.experian.co.uk/www/pages/downloads/compliance/guidance_on_defaults.pdf

As for what you can do..

- Raise a dispute via the CRAs that show the incorrect info.

- Write to the creditor requiring them to correct the inaccurate default, saying that if they do not you will be taking the matter to the ICO and FOS.

WeeJockMcPlop

Remember of course that the account was only in default when they told you it was, it may have run in arrears (or sustained arrears) for some time although 3-4 years would be a little odd. You may have to make an SAR with Cahoot to find out when they actually defaulted the account - and told you they were doing so.

happy_bunny_2

Complain to Cahoot in writing or via email.

If you stopped paying and ignored them, it should have been defaulted within 6 months.

Mathelize

Thanks for all the reply. I spoke to a gentleman who I gave my number so that cahoot resolution's team can contact me. He said they'd look into the dates and decide if it should have been defaulted after 6 months as stated. He claimed not to know anything about the regulations.
Fingers crossed.

Confused_Consumer_86

Hi


What was the outcome of this? I have a similar situation so interested to know