Max Recovery and Incorrect Default Date

ScaredWitless

I've been in touch with the original creditor MBNA who is recording a default date of 1st June 2012.

However, when obtaining my Experian £2 report end of last year, Max Recovery (who bought the debt off MBNA) are recording a different date of the 3rd August 2012.

I have raised a dispute with the CRA dn provided evidence of the default date being 1st June 2012 as I have a letter from MBNA confirming the June date to be correct.

So, my question is this, if Max Recovery continue to record an incorrect default date of 3rd August 2012, where do I stand please!?

robber2

I'd imagine any compo you might get won't even cover the £2 cost of your Experian report.

ScaredWitless

I am simply asking for advice on an incorrect default date being recording on my credit file which noone has no comprehension of replying!!

Richey_

ScaredWitless wrote: »

I am simply asking for advice on an incorrect default date being recording on my credit file which noone has no comprehension of replying!!

It was answered to death on the linked thread last time you asked the exact same question.

You just do not like the answers you got as it doesn’t involve a payout from a company that you owe a lot of money to....

[Deleted User]

I suggest you use your old thread.

And telling people to "get lost" will only get you reported and your posts removed

Johno100

ScaredWitless wrote: »

***removed by Forum Team***

I've just checked and I've never replied to a single thread you've posted (except this one). You've clearly mixed me up with somebody else.

Anyway, what is the big deal about having the default on your record for an extra 2 months and 2 days?

Richey_

ScaredWitless wrote: »

***removed by Forum Team***

I refer back to my comment about not liking the responses that you have received.

I also refer you back to my previous comment about using your support workers or ringing out of hours Social Services

PixelPound

Deja Vu!!!!

I thought, oh this is an old thread, has there been a new reply ... then I realised nope it's a new thread, just repeating the same topic.

“The Definition of Insanity is doing the same thing over and over and expecting different results”

jonesMUFCforever

Mr Witless can you just answer one question please?

Did you default with MBNA - please just yes or no, not bothered about the dates just yet?

ScaredWitless

Richey_ wrote: »

I refer back to my comment about not liking the responses that you have received.

I also refer you back to my previous comment about using your support workers or ringing out of hours Social Services

For the last time, I DO NOT have a support worker!!

cjmillsnun

Please stop raising new threads for the same rehashed questions. And stop reporting people for an answer you don’t like and telling people to get lost. Nobody has broken any forum rules. This is a public forum and as long as they remain within forum rules anyone can post here in any thread they want to.

To answer the question. If you have proof of a default date from the original creditor and can 100% prove they are the same debt the you can write to Max Recovery enclosing a copy of said proof and ask them to change it and update the CRAs. Bear in mind most organisations update CRAs monthly or 6 weekly, it may take 2 months from acknowledgement to update.

If they refuse, then write again giving them one more chance before you go to the ICO.

Do not threaten the CRAs as they can only process information given to them by creditors.