TSB refusing to change default date - Scottish Trust Deed

ryan92

Hi there,
I have been in a protected Trust Deed since January 2023 and TSB are refusing to change the default date of my Credit Card to be aligned to the PTD. I have raised a complaint with them that they have not upheld and the FOS won't help either as they are saying the issue is over 6 months ago so won't help.

I was under the impression that the default date should be aligned with when the PTD was granted?

Any help will be greatly appreciated

sourcrates

Not necessarily, if it pre-dates the trust deed, that is OK.

How far out of line are we talking here, months/years?

A few months either way won`t hurt.

ryan92

The default date for the Mastercard is showing as August 2023 while the PTD was signed in January 2023. TSB are refusing to change.

sourcrates

Unsure if Scottish law differs from rest of UK, but that is clearly wrong.

If FOS won`t do anything, then your stuck with it, you could raise the matter with the ICO, they deal with anything data related, if you do decide to complain to them, make sure you say you only just noticed the discrepancy, as the 6 month rule may apply to them as well.

ryan92

Just wanted to resurrect this with another quick query.

With default dates on a Trust Deed/IVA - should they in theory be aligned with the date the deed was signed or when it became protected?

ManyWays

I am not a Scottish adviser and I am not sure if there is one that posts here regularly.
FWIW, my guess is that the default date should be when the creditor accepted the TD, and the date it became protected for creditors that did not accept the TD.