We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Old satisfied account now appearing in default
Obewandan
Posts: 1 Newbie
I had a default notice added to an account in August 2013. I became aware of this old notice when going through a mortgage application. I made the relevant calls and paid the outstanding balance. It was noted as satisfied and has been a closed account.
The notice ought to have disappeared from my credit file in August 2019 but when I checked my credit file the account had been reopened, changed to default and the original balance displayed as outstanding. The creditor cannot explain why.
This is becoming an issue because I am looking to remortgage.
Thanks in advance.
The notice ought to have disappeared from my credit file in August 2019 but when I checked my credit file the account had been reopened, changed to default and the original balance displayed as outstanding. The creditor cannot explain why.
This is becoming an issue because I am looking to remortgage.
Thanks in advance.
0
Comments
-
If the creditor cannot explain, dispute it with the CRAs and have it removed.0
-
Failing that lodge a complaint with the ICO (Information commissionaires office) they deal with all complaints regarding data breeches.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
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.9K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.2K Spending & Discounts
- 246.9K Work, Benefits & Business
- 603.5K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards