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Default dispute
bluemonday3
Posts: 236 Forumite
Hi
I am looking for some advice as I have been complaining to Wescot who manage my Lloyds debt re the date of default.
I have a letter dated March 2011 and they say the date on their system & my credit file is May 2013.
This has been going on since April 2017, (I have not been well and been unable to pursue this I would have normally)
To cut a long story short, Lloyds spoke with me yesterday and say that default date was correct as the letter sent in 2011 was just a warning and that I met my contractual terms so they did not record this default then(I am not sure about this as have been in a DMP with stepchange since 2009)
However some payments were missed in 2011/2012 where they received doubled up payments from stepchange?? which meant they defaulted me as I had then broken terms.
They have given me £10 so that I can request a DSAR but ultimately they are telling me I would not have been defaulted if Stepchange had not missed these payments.
I have not missed one payment to step change since I began in 2009.
I know the default will drop off in May this year but I feel aggrieved about this and do not know who to believe re the default, Lloyds or are they right to blame stepchange??
any advice would be appreciated.
I am looking for some advice as I have been complaining to Wescot who manage my Lloyds debt re the date of default.
I have a letter dated March 2011 and they say the date on their system & my credit file is May 2013.
This has been going on since April 2017, (I have not been well and been unable to pursue this I would have normally)
To cut a long story short, Lloyds spoke with me yesterday and say that default date was correct as the letter sent in 2011 was just a warning and that I met my contractual terms so they did not record this default then(I am not sure about this as have been in a DMP with stepchange since 2009)
However some payments were missed in 2011/2012 where they received doubled up payments from stepchange?? which meant they defaulted me as I had then broken terms.
They have given me £10 so that I can request a DSAR but ultimately they are telling me I would not have been defaulted if Stepchange had not missed these payments.
I have not missed one payment to step change since I began in 2009.
I know the default will drop off in May this year but I feel aggrieved about this and do not know who to believe re the default, Lloyds or are they right to blame stepchange??
any advice would be appreciated.
0
Comments
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Hi,
The alternative to a default are "AP" markers (arrangement to pay) they stay on your credit file 6 years after you have paid off the debt.
So really, you have had the best deal considering you were in a DMP at the time, which will of trashed your file anyway.
If you chose to pursue this via the ICO and say you won, the bank would most likely, replace the default with an AP marker, so you would potentially be worse off.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
ok thanks for this information. Lloyds told me they bring all defaults in line in with each other as I have another account with a later default so this will be marked with the same default as 2012 one?? not sure if this is right as it isn't now!
I just feel frustrated that Wecot are blaming Lloyds(fair enough) but Lloyds are blaming Step change0 -
bluemonday3 wrote: »ok thanks for this information. Lloyds told me they bring all defaults in line in with each other as I have another account with a later default so this will be marked with the same default as 2012 one?? not sure if this is right as it isn't now!
I just feel frustrated that Wecot are blaming Lloyds(fair enough) but Lloyds are blaming Step change
If it drops off in May anyway, is it worth pursuing it now ?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
No I guess not !0
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