Credit file special arrangement

11 Posts

Hi, I have a special file which has special arrangement next to my debt with Very.
I do pay it via stepchange.
All my other debts defaulted in January 2020 so I'm concerned this may change too.
Does anyone have any advice with this one?
I do pay it via stepchange.
All my other debts defaulted in January 2020 so I'm concerned this may change too.
Does anyone have any advice with this one?
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But you want to get the default backdated to whenever is the appropriate date
I spoke to shopdirect / very who told me to speak to NCO Europe who is managing the debt and they told me to speak to shopdirect again.
So after speaking to them again they said it is a special arrangement so that's why it shows as that.
Not really helpful.
Any suggestions how to change this special arrangement to a default? Or even remove this marker.
Shop direct are now known as "The Very Group", and are notoriously awkward in there dealings with debtors.
You have entered an arrangement with them, so technically your account is being marked correctly, however guidance states a default can be registered after between 3-6 missed contractual payments, so they could mark your file as in default instead, if they wanted too.
You can make an official written complaint, quoting guidance, and asking for it to be backdated, AP markers stay on file for 6 years after you make your final account payment, so will be affecting your file for a lot longer than it should do.
More than a third of IVA`s fail....fact.
Could A Debt Relief Order help you ?
Never pay a fee for a Debt Management Plan.
For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
You seem to have conveniently glossed over page 7, which states
Of course, it is just guidance and they're free to ignore it but that works both ways. You can't have your cake and eat it too.
Congrats on not being a board guide anymore though. It took a while but we got there in the end.
Good luck.
More than a third of IVA`s fail....fact.
Could A Debt Relief Order help you ?
Never pay a fee for a Debt Management Plan.
For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.