Arrangement to Pay

nic051980

I have an arrangement to pay on my credit file for a credit card with MBNA. It was in 2009, I experienced financial difficulty and they agreed to freeze the interest and accepted a lower payment each month. I recall receiving a default notice for this card but dont have a copy as it was so long ago. I paid on time and stuck to the arrangement. In 2012 I settled the amount directly with MBNA. A few weeks later I got a letter from Moorgate Britannia advising the account had been passed to them so I contacted them and explained id paid it. I am now trying to get a mortgage and realise that this arrangement to pay will stay on my file for 6 years from date of settlement, had the default been applied the account would disappear this year from my file. I have queried this with all 3 credit reference agencies and was advised to contact Moorgate, they have now contacted MBNA on my behalf. Anyone have any experience of successfully arguing a default should have been applied to the account in similar circumstances? I tried MBNA first and they said they dont have any information on me as it was passed to Moorgate so im worried i'll be told there is no record of a default notice. Any advice would be much appreciated. Thanks

dumpyboy

Good luck, I ve tried but had no success went all the way throu fos they ruled it was fair for mbna to reported this arrangement for 12 plus 6 years they said as I increased my payments when they threaten a default and to place a charging order aganst were I was living I demonstrated that I did not want a default in 2007 , cleared one card in September 2014 still refusing to mark settled good luck in trying the more people that complain about mbna some one might do something about