Hi ody, this makes me think that the entries on Call Credit/ Noddle were very old, this is often the case with them.

 

If such data is not on the 2 main agencies it is a good sign.

 

If it comes up again use the contact as in post 17#

Fingers crossed it's the last I have to worry about it.

Thanks again... Have a good one mate.

For your own peace of mind I think you should check Experian and / or Equifax to make sure there an no entries showing on those agencies.

There is nothing on experian and equifax. was just on callcredit, which has now been removed (or suppressed for now)

Hi.. sorry for the long time in no reply, I have been moving house and been up the wall!! I finally received a letter from noddle saying they cannot amend the default date without the permission of the organisation involved. Due to them not receiving a response from Merligen they have suppressed the entry from my credit report. They suggest getting in touch with Merligen to discuss this matter further. I sent a letter to Merligen and this has been ignored as well. So at the time of writing the entries have been removed from my credit file (which is good) but have not been resolved as Merligen aren't answering any correspondence. Might just leave it at this for now as I seem to have had a good result.

Thanks again for all the help.

Thanks citizenB for your suggestion regarding default charges

I will look into this and try and find a template letter to try to reclaim some. I need to find an Argos template to reclaim PPI for my partner too. Happy hunting

thanks so much BRIGADIER2JCS... sorry for late reply. been working nights and got man flu hehe

My main concern is just get it dated 2009 yes.

Received this from v12 sar. Any idea what the next step is?

cheers

received reply today from v12 regarding the SAR I sent them...

will attach scans

Quick update:

Sent SAR by recorded delivery today (17/05/2013) to v12 Personal Finance Limited

Had no reply from previous email sent the other day to Merligen (surprise surprise).

Still awaiting to hear from noddle regarding my complaint (they have 28 days) about wrong default date.

Thanks again BRIGADIER2JCS

SAR is essential with the mortgage app coming up.

SAR should be addressed to the Data Controller at the original creditors head office, there is a template in the CAG library.

Thanks BRIGADIER2JCS...

Am I right in thinking that V12 Finance are the original creditors? Does it matter that I have no account number or anything to go on. Only info I have is what's on my credit file and that doesn't give a complete account number. Best to send a cheque or postal order?

Hi, you have done the right things so far, was a default actually placed in 2010? To get this clarified I thing you must make a Subject Access Request under the Data Protection Act 1998 ( SAR ) this will get you ALL the information the Original Creditor Holds on you and the account.

Hi... thanks for the reply BRIGADIER2JCS

In all honesty I can't remember if a default was issued. I assumed it did, but stupidly I never kept any of the old correspondence from the many DCA's harassing me at that time. I would have had to build an extension to the house to store them all in!!

Thanks for the advice on getting an SAR. I just wanted to try and get this sorted as quickly as possible without engaging in letter tennis which may take months. Mortgage application in the near future will be impossible if its not resolved asap.

Hi... Thanks for taking the time to read. I will try and keep it brief and straight to the point.

I entered into a finance agreement on 21/11/2007 with Clode Retail Finance, now V12 Finance, (dabs: computer I think) for £1013. I kept up repayments of £26 a month until March 2009. Checking my noddle credit report it shows that on 26/03/2010 the account was ended and settled. This was after more than 6 months of non payment and it is now showing as DA (debt assigned) on the March 2010 entry. I assumed at the time it had been defaulted.

I have received countless letters over the past 3 years from numerous DCA's. One in particular I remember was PDP Management Services Ltd. I ignored them all and haven't received anything from any company in the past year.

I checked my Noddle report today and I now see a default has been registered on 11/03/2013 for £875 (the closing balance was £805) by Merligen Investments.

I have had no letters or contact from them at all. I'm convinced that letters in the past from other companies mentioned it had defaulted in 2010.

I need to either get the default date moved to the date the account was closed (which I assumed this was the date they had defaulted it... seems they haven't by DA on credit file).

Or... get in touch with them and come to an agreement to pay the default and ask them to remove it from my file as it was issued 3 years after the account was 6 months in arrears and had been closed (ico guide says: "Accounts should normally be filed as being in default where those payments due have not been received for six months.") Also, I haven't received any correspondence from this Merligen DCA to inform me it will be defaulted.

Any ideas what my best cause of action would be to get this sorted?

Thanks

Also... this only appears on my noddle(callcredit) report. There is no record of any of it on my equifax report and only a settled in 2010 with V12 Finance on my experian report.

Update: Emailed Merligen 15/05/13 basically asking them to amend the date to the original default date (if it was defaulted in 2010) or to completely remove the default as it was registered 3 years after (stating ICO good practice for filing defaults 3-6 months)...

Also mentioned haven't received no default notice or warning from them.

I will update thread on any replies...

I've just sent an email basically asking them to amend the date to the original default date (if it was defaulted in 2010) or to completely remove the default as it was registered 3 years after (stating ICO good practice for filing defaults 3-6 months)...

Also mentioned haven't received no default notice or warning from them.

I will update thread on any replies...

The time to challenge the default date would be when the debt has become statute barred. So you need to understand when your last payment was as this is what sets the SB clock, not the date of default.

The last payment I made was in March 2009 which took my balance to £805. No payments were made from then and the account was closed on 26/03/2010 with a mark on noddle credit file as DA (debt assigned).

I'm currently looking at at getting a mortage and I have lenders who will lend to me as long as the defaults I have are over 2 years old. Which they were until this month and this has appeared from 3 years ago. So I can't just sit and wait to dispute it when becomes SB in March 2015.

I need to either get the default date moved to the date the account was closed (which I assumed this was the date they had defaulted it... seems they haven't by DA on credit file).

Or... get in touch with them and come to an agreement to pay the default and ask them to remove it from my file as it was issued 3 years after the account was 6 months in arrears and had been closed (ico guide says: "Accounts should normally be filed as being in default where those payments due have not been received for six months.") Also, I haven't received any correspondence from this Merligen DCA to inform me it will be defaulted.

Any ideas what my best cause of action would be to get this sorted?

Thanks

Well clearly then you defaulted on the account, so I'm not sure why you would think you could get the default removed. Look and see when the account is being reported to; whilst a new owner can continue to report the default they can't reset the date. But if you did as you say, your credit file is shot to bits anyway so why are you worried about this particular entry? You could SAR the original creditor to ascertain the actual date of default and go from there. But the default will not drop off until 6 years have passed (paid or otherwise).

Thanks for the reply brokebutnotbeatn. I don't think I've made myself clear sorry. I accept I have defaulted. I'm not disputing I've defaulted and not saying the default should be removed completely. I just wanted to find out what I can do to get them to change the default date back to when I thought it had defaulted, March 2010. Are they allowed to register the default 3 years after if the original creditor "forgot" to default the account at the time.

I know my credit was shot to bits at the time, but I have done my best to be squeaky clean over the past 3 years and have not missed or had any late payments on my agreements since. I was looking forward to six years being up and getting a clean slate. Seems the six year countdown has started again and all my hardwork trying to rectify by previous mistakes and come back to kick me up the a**.

I'm starting to think the original creditor never defaulted the account in 2010. So my main question is can a default be registered 3 years after the closed account by a DCA?

Why did you stop paying? What correspondence did you enter into when you stopped? At that time there was £493 left on the account.

Sorry I forgot myself.. I think it was on Buy Now Pay 12 months later. So the end balance at the time I stopped paying was £805 and not as low as it would have been.

I stopped paying as at the time I was struggling with credit cards, loans, mortgage etc. I had to prioritise with what I could pay and keeping a roof over our head and food on the table was the priority.

I didn't enter into any agreement or have any contact with them. I just stopped paying and "buried my head in the sand".

Hi... Thanks for taking the time to read. I will try and keep it brief and straight to the point.

I entered into a finance agreement on 21/11/2007 with Clode Retail Finance, now V12 Finance, (dabs: computer I think) for £1013. I kept up repayments of £26 a month until July 2009. Checking my noddle credit report it shows that on 26/03/2010 the account was ended and settled. This was after more than 6 months of non payment and it is now showing as DA (debt assigned) on the March 2010 entry. I assumed at the time it had been defaulted.

I have received countless letters over the past 3 years from numerous DCA's. One in particular I remember was PDP Management Services Ltd. I ignored them all and haven't received anything from any company in the past year.

I checked my Noddle report today and I now see a default has been registered on 11/03/2013 for £875 (the closing balance was £805) by Merligen Investments.

I have had no letters or contact from them at all. I am 90% certain that letters in he past from other companies mentioned it had defaulted in 2010. Can they do this? Is there anyway I can get this default removed or at least dated back to 2010?

Also... this only appears on my noddle(callcredit) report. There is no record of any of it on my equifax report and only a settled in 2010 with V12 Finance on my experian report.