Default advice please

glentoran99

bluemonday3 wrote: »

I have letter dated 11 May 2011 from Lloyds which is the default notice but on my credit files it is later, 2013, but they had already defaulted me in 2011.
I wrote to Lloyds & Wescot to dispute this and they have completely dismissed the default dated 2011

the 2011 letter doesn't mean it was defaulted then, it was a threat to default, was the 2011 date ever on your file?

bluemonday3

Thanks Candy apple I will try again as I have maintained regular payments as per my agreement with Lloyds & Stepchange since 2009 and not missed any payments since 2009

Candyapple

bluemonday3 wrote: »

Thanks Candy apple I will try again as I have maintained regular payments as per my agreement with Lloyds & Stepchange since 2009 and not missed any payments since 2009

Out of interest, given that you've been in a DMP since 2009, why was your Lloyds account defaulted back then?

What reason have they given you why they did it 2 years later, or even 4 years if they're going by 2013 date?

bluemonday3

They have not explained this, but the default notice dated 2011 is standard in that I failed to make the amount in accordance with clause 2,1 of the terms & condtions and arrears of £83.03 remain outstanding

Candyapple

bluemonday3 wrote: »

They have not explained this, but the default notice dated 2011 is standard in that I failed to make the amount in accordance with clause 2,1 of the terms & condtions and arrears of £83.03 remain outstanding

What does the Lloyds account status show as on your credit files from 2011 to 2013? Is it is a bunch of '8' or 'D' ?

bluemonday3

on the file it says BB or AA in 2011 stating payments were a variety of 2 months late or three months etc, and then D from April 2012, my other account with Lloyds is saying defaulted 2013

Candyapple

bluemonday3 wrote: »

on the file it says BB or AA in 2011 stating payments were a variety of 2 months late or three months etc, and then D from April 2012, my other account with Lloyds is saying defaulted 2013

What does it show as on your Experian file?
What does it show as on your Equifax file?
What does it show as on your Call Credit file?

What do you mean 'other account with Lloyds'? I thought we were only talking about the one account?

bluemonday3

I had a credit card and a bank account with Lloyds, one showing defaulted in 2012 & 2013, on the credit file but originally was 2011. Sorry for the confusion.
I will check other files

bluemonday3

the defaults do not appear to be showing on call credit or experian but are showing on noddle

Candyapple

bluemonday3 wrote: »

I had a credit card and a bank account with Lloyds, one showing defaulted in 2012 & 2013, on the credit file but originally was 2011. Sorry for the confusion.
I will check other files

So which account is it that you're complaining about?

bluemonday3 wrote: »

the defaults do not appear to be showing on call credit or experian but are showing on noddle

Call Credit is Noddle.