Ap markers on credit file

[fiogiff]

I have a second mortage with kensington and ran into arrears in october 2007

 

cra states 3 months in arrears at this time.

 

I was taken to court and kensington got a spo,

 

I maintained payments and

 

finally in march 2013 mamaged to clear the last of the arrears and have maintained up to date payments.

 

This took a long time mainly because of the charges kensington applied to the account.

 

During this whole time they have been marking my account as AP.

 

Whilst I hold my hands up to the fact that I had arrears

I have worked really hard to pay them off.

 

My question is could I ask Kensington to change this to a default marker from 2007

as the AP will damage my cra for ages longer.

 

My loan is not due to finish till 2016 and

 

I just think its really unfair that if Id had it marked as a default my credit file would be better than having an AP?

[dx100uk]

you are correct.

 

they should have marker your file with a default after your 3rd missed payment.

 

also, don't forget all those arrears fees, debt management fees.advisor visits

 

are ALL reclaimable.

 

Hi

Just to let you know

.

this bunch Kensington have been fined £1.225m by the financial regulator

.

for treating borrowers who were in arrears unfairly.

.

Claim those charges back plus the interest

.

and tell them not to add any more to the account.

.

There are a few news stories here you can get the info for a letter to send to them.

http://news.bbc.co.uk/1/hi/business/8615870.stm

http://www.telegraph.co.uk/finance/p...y-the-FSA.html

http://www.fsa.gov.uk/library/commun...2010/065.shtml

http://www.guardian.co.uk/money/2010...mortgages-fine

[BRIGADIER2JCS]

You will have to write to their Data Controller and make a complaint, Take a look at the ICO Technical Guidance on Defaults which says that AP markers should no be used as a substitute for a default.