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    • TriggerHappy
    • By TriggerHappy 19th Jun 17, 8:27 PM
    • 14Posts
    • 0Thanks
    Removing AP markers after an account has been settled...
    • #1
    • 19th Jun 17, 8:27 PM
    Removing AP markers after an account has been settled... 19th Jun 17 at 8:27 PM
    Hi all

    Ok, hopefully some kind soul here can help to put my mind to rest? Plllllease....

    So I had been on a Step Change DMP and have repaid it (mix of in full and F&F's) but my Vanquis account has UC/AP markers against it - 4 and a bit years worth...

    I have just emailed a complaint asking for the account to be defaulted and the default back dated to the start of the DMP as they're being unfair due to it being on my file for 6 years, etc...

    How likely is it they'll actually do it? And, more to the point is there any realistic prospect of the FCA upholding my complaint should Vanquis reject it?

    I have spoken to some dude there and he seemed optimistic but was it a blag? I just don't want to get my hopes up and then have them dashed upon the rocks...

    Cheers or reading and replying (in advance),

Page 1
    • zx81
    • By zx81 19th Jun 17, 8:31 PM
    • 16,813 Posts
    • 17,818 Thanks
    • #2
    • 19th Jun 17, 8:31 PM
    • #2
    • 19th Jun 17, 8:31 PM
    You stand a chance.

    But don't take the word of any 'dude', for heaven's sake.
    • TriggerHappy
    • By TriggerHappy 19th Jun 17, 8:34 PM
    • 14 Posts
    • 0 Thanks
    • #3
    • 19th Jun 17, 8:34 PM
    • #3
    • 19th Jun 17, 8:34 PM
    Hiya , thanks for the reply

    Hehe, I would love to take the dudes word but I'm realistic

    I guess that as it's repaid I have nothing to lose... Right?


    • sourcrates
    • By sourcrates 19th Jun 17, 11:18 PM
    • 14,021 Posts
    • 13,278 Thanks
    • #4
    • 19th Jun 17, 11:18 PM
    • #4
    • 19th Jun 17, 11:18 PM
    It's not the FCA, they don't take individual complaints, it's the FOS and your chances are around 50/50.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see :
  • National Debtline
    • #5
    • 20th Jun 17, 4:38 PM
    • #5
    • 20th Jun 17, 4:38 PM
    Hi TriggerHappy

    A default is usually registered as a signal that the relationship between the creditor and debtor has broken down. The Information Commissioner's Office (ICO) guidance states that this would normally happen when 3 to 6 months of arrears had built up.

    If a DMP is accepted by a creditor this must be reflected on your credit report which would explain the AP marker. I understand your frustration as sometimes it will work out better for the default to be registered so that the debt drops off 6 years later.

    If your complaint is not successful you can ask the ICO to look into it. Good luck.

    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
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