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Is a partial the same as a default?
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My IVA finished in May this year and decided to clean up my credit record.
All seems ok except I had a default against my name as they all should have dropped off as it has been over 6 yrs. I contacted the creditor and explained and they said yes it is their mistake as the had the wrong start date. It now looks like they have edited the record and put it as a "PS".
Should this not have been deleted as the original default date has past the 6th year?
All seems ok except I had a default against my name as they all should have dropped off as it has been over 6 yrs. I contacted the creditor and explained and they said yes it is their mistake as the had the wrong start date. It now looks like they have edited the record and put it as a "PS".
Should this not have been deleted as the original default date has past the 6th year?
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Comments
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If it's been over 6 years, then all record of the entry should of gone by now.
If it hasn't, and the creditor won't amend it further, you need to complain to the ICO.
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