i've spoken with TSB who say they will remove the defaults and will fax equifax so it is done quickly. They still haven't done it. i've phoned every day and keep getting excuse after excuse, i've asked for it in writing and they say they have requested that it is sent to me. Has anyone else had any experience of this? Whereby verbal promises are offered but never actioned?

This advice doesn't seem plausible. i don't want the debt written off, i want the default off as i've always intended to pay it all back.

Agreed, my offer to pay reduced terms over a longer period, paying the whole sum back has made no difference. They've defaulted me even when they've agreed the terms. Any ideas on what i should do?

I've not been served any default notices, but i hear they don't have to serve them. They also haven't updated my credit file with the regular payments i've been making for the last 12 months

Hi, I wonder if anyone can help. I recently entered a DAS(Debt Arrangement Scheme - applicable in scotland) to pay of 50k of debt. The terms of my 5 loans have been increased to 100 months of £500 payments from 60 months, and i am still paying the total amount off which is my intention. I've recently looked at my credit file and i have 5 defaults for these loans, is this correct? I was expecting there to be an adverse affect on my credit file, but i was expecting 'AP' arrangement to pay on my file as opposed to a 'default'. I've made every effort to face these debts and pay them off, but my credit file looks the same as if i had ignored the debt and not made any effort to deal with it. Is there anyway this can be changed? I've recently been refused a job because i failed the credit checks.