Incorrect Default Dates?

davidphi

Hi,

Just after some advice please on my situation. I’ve been in a DMP with Stepchange since June 2011. I currently pay £100 per month on an outstanding debt of £24k, split between 8 creditors. Most of the original debts have been resold. I had fallen behind on payments at the end of 2010.

Fast forward to now and I’ve noticed that in my credit file that 2 of my accounts are showing as having only defaulted in June 2014. I can’t understand why they waited 3 years to default them, given that I’d been making very much reduced payments for 3 years. Do I have any options for getting the default date moved back in line with the others in 2011? The two accounts were an overdraft from HSBC (they correctly defaulted a credit card I’d also had with them) and a credit card from Barclaycard, (they correctly defaulted two others that were bought from Egg) now resold to PRA.

I am intending on doing F&F settlements with them all in the next few months, but I would like to get these default dates sorted out first, so they drop off my credit file in 2017, rather than 2020.

Thanks,

National_Debtline

Hi

Defaults should be added 3-6 months after your relationship with the creditor broke down by you missing payments. It sounds like you have a good case to request that the dates are amended.

James
@natdebtline