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Arrangement to pay

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Hello everyone. I have been dealing with debt and with the help of reading through the forum I have managed to set up a self managed dmp with all but one of my creditors. 

I got all my debts to default first before setting up payment plans but today i noticed one of my debts on my credit file has changed to A - arrangement to pay, is this normal practice? Even though the date of default is still showing. 

Any help appreciated. 


Comments

  • ManyWays
    ManyWays Posts: 1,372 Forumite
    1,000 Posts Fifth Anniversary Name Dropper
    That sounds wrong, could you post a screen shot of the credit report showing this? 
  • abba541
    abba541 Posts: 3 Newbie
    First Post
    ManyWays said:
    That sounds wrong, could you post a screen shot of the credit report showing this? 
    Are you sure its ok to post that on here?
  • ManyWays
    ManyWays Posts: 1,372 Forumite
    1,000 Posts Fifth Anniversary Name Dropper
    Well you could blank out your name and other identifying details but at the moment its hard to guess what has happened

  • abba541
    abba541 Posts: 3 Newbie
    First Post
    Here is the screen shot.

  • sourcrates
    sourcrates Posts: 31,602 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    Unusual way of marking your file, the default normally takes preference, but the default date is there, so the whole lot will drop off your report at the 6 year mark, so all is well. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • RAS
    RAS Posts: 35,676 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    possibly designed to freak you out? Keep tabs, as sourcrates say, the default trumps the AP marker.
    If you've have not made a mistake, you've made nothing
  • ManyWays
    ManyWays Posts: 1,372 Forumite
    1,000 Posts Fifth Anniversary Name Dropper
    Unusual indeed, it would be a good idea to download a copy of a credit report showing the default date and keep this, so you have the evidence in case it ever gets removed.
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