Betty_Crumble wrote: »
2004 >this is Dec
Right sorted it. Am I right in thinking I should have had a default put on this instead of all these 6's and therefore it may be removed/removed soon?
Accounts should not be routinely filed as being in default where full payments or those due under a rescheduled agreement are fewer than three consecutive months in arrears.
Accounts should normally be filed as being in default where those payments due have not been received for six months.
starsky27 wrote: »
I thought I would give you an update on our situation.
After contacting CL Finance they agreed to change my partners account history to show as a default when she first when into six months contractual arrears. This has now been updated on her credit file and means that the CL account had been completely removed from her file and has drastically improved her credit score/file.
We are currently in the process of trying to get all the settled accounts from her previous DMP backdated as defaults so they can also be removed from her credit file.
I must say a thank you to Fermi for all their advice on dealing with this issue.
samanthaJ wrote: »
Who do we complain to? I might go to the newspapers. All my other creditors which were main street banks removed everything from my credit file when I paid in full. So CL Finance are obviously not following the same guidelines.
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