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Default date wrong-please help
madhatter18
Posts: 5 Forumite
Hi everyone, first ever post. Unfortunately I had to get IVA in March 2012. This started on 2-3-12.This in now over 6 yrs and I successfully completed IVA in JAN 15. I have one creditor that has put the date of July 2012 as my default date none of the others have. I have spoken to them, emailed got CRA to raise the issue but no joy at all. I have paid my dues and want to move on. Its making me stressed yet again. This company have been difficult from day one tbh.
Are they breaking any rules and if so what can I do.
Please help
Thank you
G
Are they breaking any rules and if so what can I do.
Please help
Thank you
G
0
Comments
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If that's the date they feel you defaulted on the account then it's correct.
Besides it will drop off later this year0 -
Hi, surely the default date is when the IVA started. As i wasnt making payments before then.0
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The default date should be within 6 months of you defaulting. How does it fit with when you stopped paying?0
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It's subjective. Personally I wouldn't worry. In 4 months it'll be gone for good and TBQH it is having little effect on your file as it is a satisfied default that is about to drop off.2.88 kWp System, SE Facing, 30 Degree Pitch, 12 x 240W Conergy Panels, Samil Solar River Inverter, Havant, Hampshire. Installed July 2012, acquired by me on purchase of house in August 20170
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Hi Thanks for advice. Its all very weird tbh. Equifax has me as excellent rating but Experian only fair. All so confusing.0
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That would be because the rating and scores are made up and are to be ignored.0
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The rules on defaults are different if you enter insolvency.
If you have had an IVA or any form of insolvency, then the default dates of all unsecured debts included in your insolvency must not be later than the date of entering the insolvency
Info here :
https://debtcamel.co.uk/repair-credit-record-iva/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 -
madhatter18 wrote: »Hi, surely the default date is when the IVA started. As i wasnt making payments before then.
Correct, with any form of insolvency all default dates must not be later than when you entered insolvency.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 -
Thank you. Will be contacting them again. will let you know0
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madhatter18 wrote: »Thank you. Will be contacting them again. will let you know
You need to write a formal complaint to the creditor, outlining their responsibility to accurately reflect your insolvency on your credit report, refer to the debt camel article for guidance on this.
If they wont play ball, then escalate to the ICO :
https://ico.org.uk/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
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