Sorting out a delinquent account

welly_59

My wife has an account on her credit file which has been marked as 6 payments late for the last 2 years. No default notices received and the creditor is not chasing at present.

What is the best way of dealing with this? It seems a bit tricky to go to the lender and arrange a payment plan when they could then go ahead and mark it default, where instead of they update status o default now she could probably challenge it and get the default date changed to 6 months after her last payment

[Deleted User]

Make arrangements to pay it off.

If a default if preferable to an ongoing arrangement, then ask for that.

Willing2Learn

Why not just pay the debt off? How much is the debt? How much is the arrears? With whom is the debt?

Edit: Darn it. Too slow again!!

welly_59

Debt is about £800.

I guess the question is would it be bette to have a default dated 2 years ago, or have an arrangement to pay market on file for possibly another 6/12 months and then have another 6 years of that on record

welly_59

taking the advice from other threads i have submitted requests that these accounts are marked as defaulted at the correct date as provided by guidance from the ICO.

lets see what happens next