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Question about defaults.
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bakejent
Posts: 7 Forumite
Hi, I checked ClearScore and I have a default on my account of £545 for Kapama (I took out a £100 loan from Minicredit in 2011, fell behind, paid back £265 and thought that was the end of it until now). My question is this, on ClearScore for this default it says "opened 12th May 2011" and "updated 6th September 2016". When will this be gone from my report? I am currently going through Resolver to try and get the debt cleared as I already paid back more than double the original loan, and plenty more before this loan. I just don't want it to be a black mark against me forever. I thought I would be debt free by the end of March until I checked my report and noticed this 
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That would be the account opening date, not the date of default, that will be logged further down the list, look for default date, it will be listed somewhere.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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Sounds like 2016 was the last time they updated the entry. The default would have been before that so it's a pretty old one.0
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sourcrates wrote: »That would be the account opening date, not the date of default, that will be logged further down the list, look for default date, it will be listed somewhere.
I can't seem to see a default date. The last missed payment on there is April 2014, could it possibly be this as there is nothing else on there?0 -
Does it actually say defaulted, is it a red marker ?
It should have dropped off your file by now, are you sure its defaulted ?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 -
Yeah it says "in default" on the app.sourcrates wrote: »Does it actually say defaulted, is it a red marker ?
It should have dropped off your file by now, are you sure its defaulted ?0 -
Yeah it says "in default" on the app.
You need to file a written complaint with the creditor in that case, don`t bother pursuing the matter with the CRA, they just print what they are told, complain to the creditor, and if still not satisfied, escalate to the ICO.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 -
sourcrates wrote: »You need to file a written complaint with the creditor in that case, don`t bother pursuing the matter with the CRA, they just print what they are told, complain to the creditor, and if still not satisfied, escalate to the ICO.
Ok I'll do that. Thank you for your help
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