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Discomikey
Posts: 11 Forumite
Back in 2015 I took out a Halifax loan..however in Jan 2016 I set up a DMP with Stepchange to pay off everything (now done and dusted).. however at the start of the DMP Halifax kept putting me on payment plans every few months rather than defaulting me..I was just checking on my Transunion data in the last few days and it shows that they eventually defaulted me in 2019, some 3 years after the start of my DMP unlike my other creditors who defaulted me almost straight away.
Obviously this default will now not drop off til 2025 long after the others have.. Do you think I have any grounds to contest this ? Or should I just leave it?
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Of course you do, guidance is clear on this, a default should be applied after between 3-6 missed contractual repayments.
Get writing.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-letter1 -
Cheers..will do0
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Just keep in mind it is guidance, not mandatory, so asking nicely and explaining the hardship would be better than demanding they change it1
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