Reissue a default after 6 years?

fermi

FOS decision can be wrong. FOS are not the final arbiter of this. The courts are. They would not uphold the behaviour you talk about.

dumpyboy

On a different matter (Ar) I was told an ombudsman decision is final and could not be over turned by any one. Would you be looking at mega costs to go to court

Tixy

One thing that can be worthwhile is to ensure you save a copy of your credit file showing the default dates on it.

Then in the unlikely event a debt collector tries to add a later dated default its that bit easier to prove that the entry is incorrect/has been changed.

glentoran99

dumpyboy wrote: »

I hope that fos will get the account removed all together as everything on here says the account goes all together , they insist as money is still owed it has to be reported

You had the default removed so the account is still active so I cant see them removing it all together

dumpyboy

glentoran99 wrote: »

You had the default removed so the account is still active so I cant see them removing it all together

So is this what normally happens to defaulted accounts after the 6 years as others on here tell me differently the account should have gone from my credit files

glentoran99

dumpyboy wrote: »

So is this what normally happens to defaulted accounts after the 6 years as others on here tell me differently the account should have gone from my credit files

If an account is defaulted it would be gone after 6 years from date of default, however you say the account isn't defaulted as you got the default removed so there is no date of default, So it stays until its paid off

dumpyboy

glentoran99 wrote: »

If an account is defaulted it would be gone after 6 years from date of default, however you say the account isn't defaulted as you got the default removed so there is no date of default, So it stays until its paid off

The 6 years passed in sept 2008 , they then placed the account back on my credit file with default dated 24/9/14 saw it October complained remove the account come January 2015 the account was back on with default date 24/1/15 complained also to ico but the account was removed before the ico looked at it so they were happy it was sorted , March account was back default date 24/3/15 complained told it was a computer error reregistering as out standing balance April account show up to date on arrangement told them they should not be showing it sent fos complanet in last month as I ve heard nothing , have they done it correctly?

dumpyboy

shelley2005 wrote: »

I am in a debt management programme and an advisor told me that a creditor can reissue a default after 6 years if you are still paying them off.

Does anyone know if this is true?

Thank you.

Sorry did not mean to hijack you thread was interested as this is happening to me at the moment the last thing you want after 7 and a half years

glentoran99

dumpyboy wrote: »

The 6 years passed in sept 2008 , they then placed the account back on my credit file with default dated 24/9/14 saw it October complained remove the account come January 2015 the account was back on with default date 24/1/15 complained also to ico but the account was removed before the ico looked at it so they were happy it was sorted , March account was back default date 24/3/15 complained told it was a computer error reregistering as out standing balance April account show up to date on arrangement told them they should not be showing it sent fos complanet in last month as I ve heard nothing , have they done it correctly?

No they haven't, IF the account was defaulted in sept 2002 then the account should be gone from your file, they cant just keep changing the default date