Account disputed - last payment October 2019

ayupmeduck

I have an account that I haven't paid into since October 2019, the account says 'disputed' how do I get them to default me?

adamp87

The guidance used to be 3-6 months after payments stopped or the agreement was broken. This has a bit more change if in an agreement of payments depending who you ask.

https://debtcamel.co.uk/debt-default-date/

Good advice there and the comments are worth a read as Sara gives good advice.

Remember a default on your report and a default notice aren’t the same thing either.

Are they contacting you at all chasing? What’s the background of the debt?

y3sitsm3

ayupmeduck said:

I have an account that I haven't paid into since October 2019, the account says 'disputed' how do I get them to default me?

There is no requirement for anyone to follow the ICO guidance and if it isn't a CCA debt, the guidance doesn't apply anyway.

What is the debt for?

sourcrates

They can mark your account as they see fit, creditors usually have a single policy they follow in regard to such matters.

The type of debt, and the associated guidelines would need to be established, in order to take this matter further.

[Deleted User]

You can try asking them but given you're not paying the debt there is no reason for them to give you a favour of default which would eventually let the debt disappear