false info on file

[sturrm]

hi all

just gone onto my credit file and i had a default on there from 2006 for £10.000 i was contacted by a dmc and we came to an arrangement for a one off payment to settle the account of £5000 which i payed in march.i recieved a letter stating account settled.in july the tsb whom the loan was owed has changed the default from 2006 to july 09 and stated i had a one month loan for £10.000 and only payed £5.000. even though i have a letter stated its payed and also since march this year i have heard nothing more since paying . any ideas and can they change the default years as i had 3 years to clear my file and now this would mean another six years.

many thanks

sturrm

[bizzib]

hi all

just gone onto my credit file and i had a default on there from 2006 for £10.000 i was contacted by a dmc and we came to an arrangement for a one off payment to settle the account of £5000 which i payed in march.i recieved a letter stating account settled.in july the tsb whom the loan was owed has changed the default from 2006 to july 09 and stated i had a one month loan for £10.000 and only payed £5.000. even though i have a letter stated its payed and also since march this year i have heard nothing more since paying . any ideas and can they change the default years as i had 3 years to clear my file and now this would mean another six years.

many thanks

sturrm

 

Hi Sturm,

I've got similar things to you on my file just waiting to get some response to my question regarding this.

 

[willy2006]

I had a similar case with mbna only i paid a dmp from 2000 to 2006 mbna sold the debt to hfo services and added a default,i complained to ICO that they coudnt add a default as it wouldnt be clear till 2012 which meant 12yrs bad credit file.They ruled in my favour after 3yrs of arguing the default if applied should have gone on in 2000 and ordered it to be removed.I challenged hfo services they didnt have an agreement and never heard anything since hope this helps.