Hello everyone

I have a default on my credit report, dated the 9th August 2016, after many conversations with the co-op about the issue. I believe the default should not have been issued, and was issued in breach of the consumer credit act. Here's a timeline of events and amounts

• 02/11/15 - Overdraft facility cancelled with outstanding amount of £1667
  
• 10/11/15 - Repayment plan set up for £31.57 per month, for 6 months, with the letter stating that the co-op would be in contact to re-evaluate the plan at a later date.
  
• I made all payments on time as per the agreement, with the final payment on 04/06/16. The payments were made by direct debit.
  
• No contact received from co-op
  
• 08/08/16 - Letter from co-op saying the account had been placed in default, and the debt had been passed on to a collection agency. The letter stated that the co-op would refuse to discuss the account any further
  
• 09/08/16 - Default registered on credit report (this was not noticed by me until more recently). I had called the co-op, and they said the letter had been issued in error, and we set up another payment plan to continue repayments. This plan was for £x per month, starting on 01/09/16
  
• 09/08/16 - Account statement shows balance changing to £0, then back to -£1423
  
• 12/08/16 - Default notice received, stating that I had until 29/08/16 to repay the account in full, otherwise a default would be issued.
  
• Multiple calls to co-op were made about this after the notice, and they assured me it had again been issued by mistake ("a mix-up in the process") and would be recalled, and I could continue making payments.
  

In September, I also received 3 more letters (on the 30/08, 07/09 and 23/09) asking me to pay money into the account, even though I already was. When I called the co-op about this, they told me to ignore them.

Then on the 5th November I checked my credit report, and noticed the default. I again called the co-op and was told it was an error, and that it would be removed. I was told the issue was being referred to the Credit Ref. Amendment department of the co-op bank.

My main issue here is that the default was issued before I had any chance to rectify it. I'm pretty sure the consumer credit act says they have to give me chance to repay in a certain period when the notice is sent.

I'm unsure what to do next, I've heard nothing since then, and I was making plans to buy a local business by applying for a business loan, but there's no way that will happen now.

I have been making payments and the current balance is now £1335.

Was I in the wrong here? Can anyone advise me on what to do next please?

Well they were entitled to default you on the date you first defaulted (nov11)

But they didn't

CEO complaint?