DMP on credit file

Woody26

Good evening,

I was wondering if I could get some advice. I started a debt management plan in December 2011. As a consequence of this I received a number of defaults which will likely fall off of my account early next year.

However, there were a few accounts (Barclaycard, Vanquis, MBNA) who instead of defaulting me, added a note to my credit file stating 'debt management programme' with a start and finish date (most of which are incorrect dates).

I have spoken to a mortgage advisor who has stated that some mortgage companies require you to wait until 3-6 years after the DMP is completed as opposed to the date you started the DMP before they would consider you for a mortgage. Does anyone know if this is correct?

Also, is there any likelihood that if I wrote to the companies these notes would be removed, the debts with these companies has now all been settled.

I find it hard to believe that a default drops of 6 years from start date however a note on a file regarding a debt management plan stays on for 6 years until this has been satisfied.

Any advice would be very gratefully received

Many thanks