Halifax/Blair Oliver & Scott Default Date & Address Issue

[vicashness84]

Hi Guys,

 

1st post ever so please bear with!!

 

In short, here's the situation :

 

Was on a DMP until late last year when i finally payed them off.

 

Whilst going over my credit report last night it came to light that Halifax/Blair Oliver & Scott (not sure yet which one) has registered the default in June 2008, way after i started the DMP in Aug 2007 but not only is the date incorrect but they have also registered the default to my current address BUT i did not move here until Dec 09..................

 

Firstly, i have been under the impression that the lender/agencies have between 3 & 6 months to register a default?

 

Secondly, i didnt live at my address when they registered the default so is it likely that they have gone in and input info after the actual time frame?

 

As both sets of information are entirely inaccurate, is there anything i can do or would be likely at succeeding?! i know what these guys are like.....

 

I have spoken to Experian today and they can shed no light.

 

Can anyone help.......................PLEASE!!!!

 

I will be very grateful for any feedback

[dx100uk]

BOS are Halifax [hbos] internal dca.

 

there are no rules that dictate they have to defult you when you enter a DMP.

 

it can happen anytime during the period.

 

p'hap get the statements and findout what actually happened.

 

what was the debt?

 

dx