Black horse default, but was covered by trust deed 2011 - need it removed

[seanmichael]

I am looking for advice regarding,

removal of black horse finance from my credit file.

 

It's in relation to a car I bought in 2003,

payed regularly every months for a couple of years,

 

I then had problems making the payments.

 

Roughly about a year or two later the car was handed back.

 

The rest of the debt remaining from the car was included as part of a protected trust deed in 2008,

 

which was successfully discharged in 2011.

 

It is still showing on my credit file but only defaulted in 2012.

[maroondevo52]

Hello and Welcome,

 

There's some good info in this 'link' regarding Trust Deeds and Defaults.........................

 

http://www.trust-deed.co.uk/news/defaultnoticesandyourtrustdeed.php

 

Regards,

 

Scott.

[seanmichael]

Thanks for the fast response scott

[maroondevo52]

Thanks for the fast response scott

 

Hi,

 

No problem, it's not something I know a lot about but it does look like creditors included in the Protected Trust Deed should issue default notices when your Trust Deed starts, not years later as in your case.