By delaying the date a default was indeed added, my personal credit record will be weakened for extended.

By delaying the date a default was indeed added, my personal credit record will be weakened for extended.

The ICO claims in its forward to the SCOR document: “ICO will retain a keen desire for exactly how individual information is prepared inside the credit industry, because of the importance for folks of choices predicated on CRA information. Accurate documentation lodged with a CRA must certanly be a reflection that is reliable of individual’s credit standing. The information Protection Act 2018 probably will have now been breached where, for instance, inaccurate, away from date or exorbitant individual information is getting used to evaluate your credit-worthiness.”

I do believe this is just what has occurred right here. If Satsuma had added the standard after 3-6 months of arrears it might be dropping off a earlier than it will currently year. This implies my missed payments are increasingly being maintained record for 7 and a years that are half.

If you don’t reconsider your final decision, i’d like my issue to visit an Ombudsman.”

Many thanks Sara for the reaction , i’ll just take this right back to your adjudicator and tell you the end result. I actually do really appreciate the time you’ve got invested evaluating this problem. Yesterday i didn’t know where to start. Therefore many thanks once more.

Hi Sara i simply desired to upgrade to my e-mail from addjudicator we received today. They havd told satsuma to alter the standard date to March 16 nearly one year earlier in the day . It was a long challenge with satsuma refusing to alter it and telling me it might never be done very nearly half a year with all the ombudsman solutions . But then i would have just almost accepted the addjuticator if i hadn’t had the use of your knowledge . Many thanks for the make it has actually means a complete lot in my experience and my loved ones.

James M Harding says

I have three years of missed payments on my credit where i’ve been spending paid off amount as agreed with my debt administration agency. We additionally have actually 4 defaults on my credit file from three years ago from my other debts. I’ve the capability to spend from the financial obligation in full now so i not any longer get any more missed repayments however i am going to need to wait the 6 years for those missed payments to fall off despite having the keep in mind that your debt is compensated. I’ve been wanted to replace the three years of missed payments to a backdated default to ensure in 2-3 years time all of the defaults fall my report off together. Which choice do I need to opt for?

We had written a message on here formerly regarding default that is changing. I happened to be effective in negotiating modification of standard times with Halifax and RBS, but Zopa declined to simply accept that they had addressed me personally unfairly therefore wouldn’t normally budge in the date. We taken care of immediately these with a subject access demand along side mentioning it could be referred to your monetary ombudsman. (I’ve referred it however they are yet to react along with their choice).

They usually have now did not supply the information access, for over 2 months. I became wondering whether I should contact Zopa or go directly to the financial ombudsman again if you think this may help my case with the financial ombudsman or?

Sara (Financial Obligation Camel) says

It’s aggravating but it really isn’t prone to assist you win the FOS situation.

Ok. Many thanks for the minds up. I’ll possibly push them for this then.

We have a debt with lowell the default that is original had been dec 2013 …but had been updated to dec 16 now showing the later date just may I ask with this to be removed or perhaps not

Sara (Debt Camel) says

The lender that is original a default if Dev 2013?

Christine Spillane says

Hi, We have noticed to my credit history from clear rating that We have defaults which can be significantly more than 6yrs old but are nevertheless showing up back at my credit history. How do I get these eliminated because they went through the 6yr mark.

Sara (Financial Obligation Camel) says

Ask Clearscore why they’ve been here.

Hi, we had a DRO on 4th 2014 which has dissapeared today august! But 2 associated with the creditors continue to have recorded a later on standard date (August twentieth 2014, therefore to not ever troubled about this one until it drops off my file) but the other that is wrong has March 2015 as the default date, should I be contacting the creditor to change it to the date I entered the DRO or just leave it as it’s a couple of weeks away? Just how impact that is much that have back at my credit report?

Sara (Financial Obligation Camel) says

While you state a month or more does not matter but i believe it is better to ask the creditor to improve the subsequent one.

Sorry to hijack but I’ve seemed on all 3 agencies and a rather query that is similar.

FYI, I are now living in Scotland and ended up being hoping to allow this fall down at the conclusion of 2023, saving for home financing and doing every thing to enhance my scores for the time being.

On Experian; I have a “Current reputation” of “Default/Ended” An “Account Settled” date of 31/07/2017 (Is it the standard date??) But a “Last Updated” date of 15/03/2020 this business place a marker on on a monthly basis that looks like I’m defaulting once again but I’ve continue reading your website that will disappear completely if the default “Falls off”?

On Equifax; We have an “Updated” date of 17/08/2017 (Is this the standard date??) “No data recorded” from July 2017 may be the only other information i could provide you with out of this one.

On Transunion; The “Date of Default” is 31/07/2017 nevertheless the “Last Updated” date is 04/07/2020 this option place a marker on on a monthly basis that looks like I’m defaulting once again but I’ve continue reading your site which should vanish once the default “Falls off”?

To increase my confusion, Transunion show the account as available yet one other two reveal it as “In Default”

I suppose the question that is short, should all of these autumn off my reports by the end of 2023? Offering I’m not issued with a decree.

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Bonus matter: What’s the chances of getting court action in Scotland for the sum of the £2018?

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