Vanquis arrangement to pay markers

[Dnrn84]

Hi, I have just finished paying off my vanquis card which had an arrangement to pay. 

 

I have only just realised that these arrangement to pay markers now stay on my file for 6 years!

I have been in this arrangement since 2013 and thought I was doing the right thing paying off the debt.

Apparently I would have been better off not paying and having a default registered as this would be dropping off my file around now.

 

I was never made aware of the impact of these AR markers when I entered into the agreement

I have just raised a complaint with vanquis. 

 

What do you think the chances are of them changing my file to a default mark?

 

Thanks

[dx100uk]

the ICO rules/guidelines didn't change till 2014

so demand they register a backdated default with 3-6mts of your 3 missed/short payment

[Dnrn84]

you think I've got a case for getting it changed?

This will be the only mark on my file and if I can get it changed to a default then it will drop off in July.

I phoned them earlier and the lady on the phone opened up a complaint for me.

She agreed that its ridiculous that you are better off not paying!

 

Sorry I dont understand what I'm supposed to be demanding, can you explain it in simple terms as I'm not up to scratch with all this.

 

Thanks

[dx100uk]

demand they register a backdated default with 3-6mts of your 3rd missed/short payment

[Dnrn84]

Ok so this would be July 2013.

If this is done would it all be gone July ish this year?

[dx100uk]

The Information Commisioners Office says:
.
All references to a defaulted debt must be removed from your credit files after 6 years 
has passed from date of default, whether paid off, paying now or not. 
.
{the WHOLE ACCOUNT WILL VANISH, never to return}.
.
{however, this does not mean the debt itself is not still owed]

.
This is so that someone who continues paying something 
- even after 6 years from default 
- should not be at a disadvantage to someone who pays nothing after default 
and ends up with a clean file after 6 years. 
.
NOTE: {the bracketed text is not Information Commissioners Office guideline but my advise]
 

[Dnrn84]

Thanks for your reply. 

Unfortunately they dont seem to have registered a default at all. They have just marked it as early arrears for the 2 previous months to me starting the arrangement to pay.

[dx100uk]

we know they haven't register a default..that's what you demand they do ..!!!

after the third missed / short/arrangement payments..

3 strikes and you are defaulted used to be the old rule pre 2014 changed.

[Dnrn84]

I get you now! Thanks for your help

[Dnrn84]

12 hours ago, dx100uk said:

we know they haven't register a default..that's what you demand they do ..!!!

after the third missed / short/arrangement payments..

3 strikes and you are defaulted used to be the old rule pre 2014 changed.

Ok, so this is what my file states:

May 2013 - payment up to 1 month late

June 2013 - payment up to 2 months late

July 2013 - May 2019 - AR payments up to date.

Balance was cleared in April 2019, no money now owed.

 

So should I be getting a default around may 2013?

 

Thanks

[dx100uk]

suggest the date to them