DAS, DPP, Stepchange - Partially settled accounts?

Donury236

Apologies if this is in the wrong place. 
We paid off our DPP after house sale in March.  Now we paid the amount that the debts were at when the DPP started  (March 2017) and so interest was/should have been frozen.  Obviously AiB and stepchange take their cut (2% and 8%) from the payments each month, and this cost was i effect paid for by the creditor.  We still pay the full amount that was outstanding. 
One of them has come back and said that as it wasn't a full settlement it is marked as 'partially satisfied' on our credit file.    I get that as we have defaulted this is maybe a moot point, but is that correct?  A number od our creditors have marked them as settled as of the date of the DPP and with only one or 2 defaults showing, which was nice of them I guess. 
I am waiting on Stepchange getting back to me, but right now I imagine that they are swamped so I don't expect to hear for over a week and I admit I am impatient AF. 

sourcrates

Basic definition of each for you.

Full settlement - is when you repay the full outstanding balance, including any missed payments, plus any interest/charges etc, leaving a zero balance.

Partial settlement - is when you either make an offer to settle a debt, that is not the full outstanding balance, or you enter some arrangement which results in your payments been accepted in order to settle an account, but still leaves a balance remaining.

Donury236

Cheers.  I got confirmation that as we paid the full amount that the creditor is required to mark it as 'Satisfied', even though 10% of what we paid went on admin fees for Stepchange and AiB.  
So far 1 creditor has changed it....HSBC refuse and want the remaining money....

MinuteNoodles

It only qualified as settled if for example you owe £1000 to a creditor and you repay £1000 to that creditor. How much you paid in total to a third party to handle it is moot, only the amount that reaches the creditor is the amount that matters. If that amount, negotiated or not, is less than the original amount owed before you went into an agreement then partially settled is correct.