A default had been added, my credit record is being impaired for longer by delaying the date.

The ICO states in its forward to the SCOR document: “ICO will retain a interest that is keen just how individual information is prepared in the credit industry, because of the importance for people of choices centered on CRA information. Accurate documentation lodged with a CRA needs to be a reliable representation of an individual’s credit standing. The info Protection Act 2018 will probably have already been breached where, as an example, inaccurate, away from date or exorbitant individual information is getting used to evaluate your credit-worthiness.”

I believe this is exactly what has occurred right here. If Satsuma had added the standard after 3-6 months of arrears it will be dropping down a year prior to when it will probably presently. This implies my missed payments are now being maintained record for 7 and a half years.

I would really like my issue to attend an Ombudsman. unless you reconsider your final decision,”

Many thanks Sara for the reaction , i am going to simply take this straight back into the adjudicator and tell you the results. I actually do really appreciate the right time you have got invested taking a look at this matter. I did son’t understand the place to start yesterday. So many thanks once again.

Hi Sara i simply online payday loans Kansas wished to upgrade on my e-mail from addjudicator we received today. They havd told satsuma to alter the standard date to March 16 nearly one earlier year . It’s been a struggle that is long satsuma refusing to alter it and telling me personally it may never be done very nearly 6 months using the ombudsman solutions . But if I experiencedn’t had the utilization of your understanding I quickly might have simply nearly accepted the addjuticator . Many thanks for the make it has actually means a lot for me and my loved ones.

James M Harding says

We have 36 months of missed payments on my credit where i’ve been having to pay reduced amount as agreed with my financial obligation administration agency. In addition have actually 4 defaults back at my credit history from three years ago from my other debts. I’ve the capacity to spend the debt off in full now so i not any longer get any more missed repayments however i am going to need to wait the 6 years of these missed payments to fall off despite having the remember that your debt happens to be compensated. I’ve been wanted to replace the 36 months of missed payments to a backdated standard to ensure in 2-3 years time all of the defaults fall my report off together. Which choice must I aim for?

We composed an email on here formerly regarding default that is changing. I happened to be successful in negotiating modification of standard times with Halifax and RBS, nonetheless Zopa declined to simply accept that they had addressed me personally unfairly therefore will never budge regarding the date. We taken care of immediately these with an interest access demand along side mentioning it might be introduced to your ombudsman that is financial. (I’ve referred it however they are yet to react along with their choice).

They usually have now neglected to give you the information access, for over 2 months. I happened to be 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 help you win the FOS situation.

Okay. 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 ended up being updated to dec 16 now showing the subsequent date just am I able to ask because of this to be eliminated or perhaps not

Sara (Financial Obligation Camel) says

The initial loan provider included a default if Dev 2013?

Christine Spillane says

Hi, We have noticed in my credit history from clear score that i’ve 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 while they have gone through the mark that is 6yr.

Sara (Financial Obligation Camel) says

Ask Clearscore why they have been here.

Hi, we had a DRO on August 4th 2014 that has dissapeared today! But 2 associated with creditors nevertheless have actually recorded a later standard date (August twentieth 2014, therefore not to 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 much effect would that have to my credit history?

Sara (Financial Obligation Camel) says

While you state fourteen days does not matter but i believe it is far better ask the creditor to improve the subsequent one.

Sorry to hijack but I’ve seemed on all 3 agencies and a really comparable question.

FYI, I are now living in Scotland and ended up being hoping to allow this fall off at the conclusion of 2023, saving for home financing and everything that is doing enhance my ratings for the time being.

On Experian; We 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 keep reading your website which should 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’m able to supply using this one.

On Transunion; The “Date of Default” is 31/07/2017 But the “Last Updated” date is 04/07/2020 this option place a marker on on a monthly basis that looks like I’m defaulting again but I’ve continue reading your website that will fade away if the default “Falls off”?

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

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

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

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