Incorrect Default Date

NearlyFree

So my story is I entered a debt management scheme in early 2012. I had 5 credit accounts which all had defaults applied to between 4 and 6 months of the first missed payments. 4 of these defaults are due to expire in August this year (6 year mark). Looking at my credit reports, the default applied to the one last remaining account was applied almost 2 years later! It was applied in april 2014! Looking at the payment history on my file it shows that the payments were tagged as 6 months late around July/Aug 2012 and remained like this for at least 6 months before showing question marks then what looks like a credited status then finally a default applied.

I have telephoned the credit company stating that the default should have been added at no later than the first 6 month late payment (Aug 2012) but they waffled about the account receiving payments under a certain amount or something. I didnt quite understand. I contacted the Ombudsman with all the details but they require a full and final written answer from the creditor before they can act. Im currently waiting for this.

In a nutshell, all my defaults will fall off this aug apart from the last one with the 2 year later date. Im planning to buy a house this year after the last 6 years of hell to be brutally honest after my divorce.

Am I right in thinking it should be 6 months before the default is applied? I really worried that I'm gonna be screwed for another 2 years....

Any advice will be really appreciated. Thanks.

Candyapple

Read this:
https://debtcamel.co.uk/debt-default-date/

Even if you don't manage to get the default backdated, there are specialist mortgage brokers who deal with adverse credit histories and 1 default which would be 4 years old shouldn't be too detrimental.

Best of luck and keep the thread updated with your outcome.