Hitachi (now Novuna) never defaulted me?! M&S Incorrect default date? how to fix?! Pls help!

nomorecc

sourcrates said:

Dear creditor,

COMPLAINT

Name/address etc

I wish to make a complaint about how you have managed my account with you.

My account number is: xxxx xxxx

My issue

In (insert date/year) I started getting into financial difficulties, as a result this meant I could not afford to service my consumer credit debts, the reasons for this were (insert reasons why you could not afford your debts).

Since (insert date) you have been marking my credit file as "missed payment" a number of years has passed since this first occurred, and so far you have failed to default the account in line with FCA guidance.

This is unfair as it leaves the account in limbo, and will remain on my file indefinitely, instead of been removed after 6 years if it had been defaulted.

What I want you to do

Please issue a default for this account, and backdate it to (inset date) to bring the account into line with FCA guidance.

I understand you have 8 weeks to issue a final response, and if I remain unsatisfied, I can escalate the matter to the FOS and the ICO.

yours sincerely

nomorecc

@sourcrates Genuinely, thank you so much... should I e-mail this to them?

That seems like the faster and more proper / appropriate route?

nomorecc

Update: Sent by email!

ManyWays

Good to get your credit record sorted out, it may help to know that the credit reporting SCOR guidelines for lenders say that a default should be added to a credit record when you are 6 months in arrears.

BUT this debt will never become statute barred as you are paying it. What is your plan for sorting it out? Are your finances much better? 

nomorecc

ManyWays said:

Good to get your credit record sorted out, it may help to know that the credit reporting SCOR guidelines for lenders say that a default should be added to a credit record when you are 6 months in arrears.

BUT this debt will never become statute barred as you are paying it. What is your plan for sorting it out? Are your finances much better? 

Not loads to be honest

nomorecc

Thanks @sourcrates they have agreed the date is wrong and are backdating it to 2019 and will drop off later this year, very nice person that I spoke to and very helpful.