Intrum / Ratesetter , back date default ?

Lookingforwards2026

Hi everyone.

Ive been  on a self managed dmp for nearly 6 years. It was the advise from lovely people on here that got me through.
Im plodding along with repayments, some of my defaults will be dropping off my credit file this year. 

In about 3 years I wish to try and move house, which will require a mortgage, by which time my defaults will have gone from my credit files.

I have 3 debts with Intrum all originally with Ratesetter. total of £16000. I pay very small payments each month. Ratesetter or intrum never defaulted the accounts, and these have been marked on my credit file as arangement to pay each month. :-(   I realise this won't look good when it comes to mortgages, so looking for a way round this. 

Intrum bought the debts from rate setter in 2020 and added as loans to my credit file and marked as arrangement to pay.  
The ratesetter accounts were marked as closed. I stopped payment of the contractual amounts to rate setter in 2018. 
Do you think I could get the accounts defaulted and backdated to 2018? and if I did would the intrum accounts then disappear from my credit file this year?

Or I could try making them an offer, I have £1000 I could offer them, but if they accepted this, Im guessing this would stay on credit file for another 6 years? but I suppose in 3 years this settlement may not look as bad?

Sorry for all the questions, wondered if any one has dealt with intrum in this way, or similar?
thanks in advance.

sourcrates

You may want to concentrate on getting these accounts defaulted, as currently you are not being treated fairly.

They should have been defaulted after a maximum of 6 months, you should write and complain about this.

You should ask for the AP markers to be replaced with defaults, and those defaults backdated to a point no later than 6 months after you became unable to afford contractual repayments, as per FCA guidelines.

Take it to the FOS if need be, they are in the wrong here.

Rob5342

You y should definitely complain, however my experience of complaining hasn't been good. I complained to Virgim about their failure to default me, but the complaint was rejected and taking it to the fos didn't help either. 

Lookingforwards2026

Thank you so much for replying. Do you think I should be contacting rate setter? as I think these should be the ones who should have defaulted me back in 2018 even though Intrum now have the accounts.