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Getting default date moved
thehistorygirl
Posts: 57 Forumite
I’ve been in a DMP since Feb 2014 and I’ve got 3 more payments, then I’m debt free. Woohoo!
All but one of my creditors defaulted me within eight months, so by October 2020 I will nearly be default free. However, Littlewoods didn’t default until October 2015, some 20 months after I told them I was in a DMP. I wrote to them complaining that this was contrary to FOS guidelines but they replied stating that they had investigated my complaint fully and stood by the original default date as I was paying the minimum £5 a month that they would accept.
This wasn’t true as I was only paying £2ish from the beginning of my DMP until way after the default was added. They have stated that this is their final decision. I want to write again to point out that this is incorrect, but not sure if they will have another look. Is my next step to complain to the FOS? Or is it worth trying Littlewoods again?
All but one of my creditors defaulted me within eight months, so by October 2020 I will nearly be default free. However, Littlewoods didn’t default until October 2015, some 20 months after I told them I was in a DMP. I wrote to them complaining that this was contrary to FOS guidelines but they replied stating that they had investigated my complaint fully and stood by the original default date as I was paying the minimum £5 a month that they would accept.
This wasn’t true as I was only paying £2ish from the beginning of my DMP until way after the default was added. They have stated that this is their final decision. I want to write again to point out that this is incorrect, but not sure if they will have another look. Is my next step to complain to the FOS? Or is it worth trying Littlewoods again?
LBM 7th Jan 2014
Debt Jan 14 £5443
Debt Mar 15 £4734
Debt Dec 2017 £2233 less £393.25 Plevin payment £1870
Debt Jun 19 £385.55
DFD Aug 19. Final Plevin payout and last PayPlan payment
Debt Jan 14 £5443
Debt Mar 15 £4734
Debt Dec 2017 £2233 less £393.25 Plevin payment £1870
Debt Jun 19 £385.55
DFD Aug 19. Final Plevin payout and last PayPlan payment
0
Comments
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Anything to do with defaults is dealt with by the information commissioners office (ICO).
Littlewoods have issued their final response, so writing again would be pointless.
Your next step is to escalate to the ICO. (Google is your friend).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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