The report agengy is saying 6 years, how do I get it changed to 5 ?

To be honest it was through the debt company and I cannot recall when it was paid. Surely they cant place a default on the account without letting you know though ?

Hey Jasmin, We are on the same boat, when do you think you will hear back ?

Hi Dotty, It was placed on my records on Aug 2008. It is on both Experian and checkmyfile. The letter from Nationwide is dated 17th Aug 2009. Strange thing is they have sent me numerous letters which are photocopies but the default letter is not a copy, looks like they have just typed it up. Thanks, M

Hi Homer, Thanks for coming back to me .The debt has been paid but the default on my file is creating a lot of issues .

Thanks for coming back to me, really appreciate it ! How do I contact the site team ?

Hi, can anyone help ? Do I have a chance fighting this if the default notice is dated a year after the default status was applied ?

Hi, Looking for some advice. A few years ago I was with Nationwide and I was defaulted with £325 bank charges. My records have shown that Nationwide put this on my account on August 2008. I didn’t recall getting a notice so I wrote to them requesting copies of all correspondence and they sent me information back. First of all they said that they could not find a copy of my application form but they were under no legal obligation to keep or produce a copy of this . Also the most recent letters they sent were the following, 20th of June 2008 – Pay the full balance , the following will happen. A default notice will be registered. Instruct a Debt collector. The only letter after this which is not a photo copy (the letter head is coloured while the others have been photocopied) Is dated the 29th of August and is the default notice – a year after this was placed on my account. Do I have a chance to fight this and get it taken off my account ? Thanks

I'm confused .. So originally the contract was with Orange then arrow took at and defauleted me... would the SAR not go to arrow instead of orange ? This is what my report says , Company Name / Insight Account NumberAccount TypeTermsStart BalanceCurrent Balance Arrow Global Ltd (I) / XXCommunications Supplier0 @ £ 0 (Monthly) £ 0 £ 0 StatusCredit LimitDate UpdatedStart DateDate Last DelinquentDate SatisfiedDefault DateDefault / Delinquent Balance Settled £ 005/11/200603/11/200311/0605/11/2006 £ 411 SepOctNovDec 2006 Also would the ICO deal with this situation ?

Sorry for being dumb but whats the ICO ?

Hi , Yeah I had a letter from Wescot and paid them for it never got a letter but the placed a 'satisfied' on the account - I have no idea why arrow have done this ? Thanks, Mike

Hi All, Sorry for the delay and thanks for the advice . So the debt collector was paid and its satisfied (this was done a while ago) So I send the SAR to Orange and take it up with them or send the SAR to Arrow ? Sorry this is my 1st time and I haven’t got a clue Mike

Bump Can someone help , I can't seem to find the template ...

Hello, The Debt was Orange mobile a couple of years back. I paid it to I think Wescot or someone and I went onto the credit site and it's shown as a default then satisfied. Was £420 ish

Hi Louie, Thanks for coming back to me, the default was placed a couple of years ago, will I still have a case to fight this ? Thanks, Mike