Incorrect Default dates

Hi all,
I was in serious financial difficulty in early 2016 and went with Stepchange and a debt management plan where i paid reduced payments much less than my contracted payments.
Most of my creditors placed defaults on my credit file as early as March and as late as November 2016.  However, two failed to record defaults until late 2017.  They have mentioned this was because they were trying to help me and had put me on arrangement to pay. This in fact is hurting me even more now since these are still showing on my file and will do until this time next year.
My question is, should they not have defaulted me earlier once i failed to make the payments and what is the likelihood i get this changed?
All debts were settled in 2018.
Appreciate anything you can help with.
Many thanks.


  • The guidelines from the ICO are to default after 2-3 missed contractual payments yes but it's not a rule they have to follow. Arrangement to Pay are a bit so so, they should really have done it with the DMP. Worth asking them nicely to back date it
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