TSB changed default date

2 Posts

Hi everyone,
I had a loan with TSB which went into default in May 2016. I entered into a DPP as part of the Debt Arrangement Scheme (Scotland) in September 2016, this loan was included.
In May 2022 the account disappeared from all CRA, as it should have done.
I was left a sum of money which meant I paid the DPP off early on 18/10/22 happy days..or so I thought!
I checked my credit club/experian file yesterday to find this loan has resurrected with a new default date of 27/10/22. The account was fully paid off by this time.
I've contacted experian who say they will contact TSB. I'm in the process of completing their online complaints form. I have the default notice from March 2016 and a screenshot of my experian file from the beginning of May (before this account 'fell off') showing the original default date of 09/05/2016.
I'm just wondering if they can actually do this 🤔 and if there's anything else I should do?
I had a loan with TSB which went into default in May 2016. I entered into a DPP as part of the Debt Arrangement Scheme (Scotland) in September 2016, this loan was included.
In May 2022 the account disappeared from all CRA, as it should have done.
I was left a sum of money which meant I paid the DPP off early on 18/10/22 happy days..or so I thought!
I checked my credit club/experian file yesterday to find this loan has resurrected with a new default date of 27/10/22. The account was fully paid off by this time.
I've contacted experian who say they will contact TSB. I'm in the process of completing their online complaints form. I have the default notice from March 2016 and a screenshot of my experian file from the beginning of May (before this account 'fell off') showing the original default date of 09/05/2016.
I'm just wondering if they can actually do this 🤔 and if there's anything else I should do?
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It may take some time, but it should easily be sorted.
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.
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