Help needed Sainsbury default added again

glentoran99

happy_bunny wrote: »

Defaulted accounts legally have to be removed 6 years from the default date.

Accounts not defaulted legally have to be removed 6 years from the date paid off

Not stuck for life, but legal action may be required at a later date.

See what the FOS say.

Good luck

HB

But there is no default date as the account is being marked as ok???

dumpyboy

glentoran99 wrote: »

But there is no default date as the account is being marked as ok???

But there was the 1/9/08 , when they got 1/9/14 it went but on a new date 24/9/14 after a complant was removed but re appeared 24/1/15 and Sevareid months the 24th till March when it says payments okay up to date with a header special arrangement so I want the account removed as per what most people on here says should happen but it worries me as some like you seem to back them as a balance is owed it should be reported

glentoran99

No im not backing them, if it was defaulted in September 08 it should be removed and the date shouldn't be changed, I read your posts though as you complained to get the default removed and they did that, If that's not the case you should be arguing to get the date changed on the default to the original date rather than getting it removed.

dumpyboy

Up date to day received a letter from noodle who raised a dispute over the account saying no change to made as ico guidelines state that an arrangement can be recorded on your credit file, still on the understanding that once an account was defaulted after six years it was removed all together ,still waiting for a reply from fos

PaulW922

What I am not sure about here is the actual 'default date', as opposed to the date the file was last updated. Sainsbury can update the record every day if they ant to, provided the information is accurate and that the default date does not change.

dumpyboy

PaulW922 wrote: »

What I am not sure about here is the actual 'default date', as opposed to the date the file was last updated. Sainsbury can update the record every day if they ant to, provided the information is accurate and that the default date does not change.

The default was date was 01/09/2008 on 02/09/2014 the account was gone from credit file like it should have but on the October credit report it was back with a default date 24/09/2014 after complant it was removed but in January it was re added with default date 24/01/15 complained in Aprils report the default I had gone the monthly staus was okay but on the top were it use to say default date it says special arrangement raseid dispute with noodle and complained to fos had the reply from noodle today saying arrangement can be reported

chanz4

Do you have an arrangement to pay

dumpyboy

chanz4 wrote: »

Do you have an arrangement to pay

I am paying so you can say yes but my complant was the account was defaulted for 6 years so it should have gone never to return as rules are, the account should not now be reported like this

dumpyboy

Update, now check all 3 credit reports and the account has been removed,only took 10 months let's hope it stay gone only mbna mess to sort out now

McKneff

Thanks for the update Dumpyboy, good luck with the mbna..... and breathe...................