Voluntary Termination results in Default - STARTLINE

Screwhefner

Hi all - excuse me as I am new to this posting lark - usually I tend to drop in for advice but this time have my own topic.  I had car finance via Startline from 2014.  I VT'd my Ford Focus in November 2016 after paying just over half of the amount (many thanks for the forum for the advice there!).  All seemed OK, however when I recently checked my credit file, I was shocked to see a default from February 2017!  It is a separate entry on my credit file from the original vehicle finance, which is correctly shown as closed under Section 99 of the CCA.
What I would like opinion on is whether the car finance company can do this?  I am considering a mortgage and this obviously devastates all chances of that happening.
I am also concerned as to whether Startline can even make a separate entry on my credit file without my knowledge.
Ideally, I would like to issue proceedings under DPA for this, but am unsure as to what my rights are - can anyone point me in the right direction?
Thanks in advance!

[Deleted User]

You wouldn't 'issue proceedings' under DPA. The first thing you would do is query the validity of the marker.

Speak to Startline in the first instance.

Screwhefner

Ah right - after speaking to Startline they tell me that it's in relation to "damage" to the vehicle.  They've given me no other evidence.  I will send them a letter requesting clarification as to the validity.  I know this is cheeky, but what sort of wording would I use?

Clive_Woody

Screwhefner said:

Ah right - after speaking to Startline they tell me that it's in relation to "damage" to the vehicle.  They've given me no other evidence.  I will send them a letter requesting clarification as to the validity.  I know this is cheeky, but what sort of wording would I use?

I would ask for evidence of the damage (assuming you know nothing about this) and what efforts they made to contact you for payment before recording this as a default.

PaulW922

I think they are trying it on. I have heard of finance companies incorrectly defaulting VTs before.