oh what a pain, wort a try though I guess. Do you know the best contact details for them? I have just heard from the FCSC and they say they are unable to trace an account - how weird - defo had one. Have no documentary evidence sadly

Will let you know how it goes

You are correct, its not legal. SCOR guidelines are for defaults to be added 3-6 months in arrears. Under FCA guidance for "treating customers fairly" if you feel you havent been you can complain for: 1. financial loss 2. Material distress 3. Material inconvenience FOS will look into any complaint under these guidelines once the company has given its final response. So far of the 4, 2 have agreed but it was before I knew the correct complaints procedure so I received a small amount only. Going for bigger now with the others.

No, its paid off I am now complaining to all companies that failed to register a default and left me in a worse position than had I paid the debt. I entered into a DMP. they didnt register a default and it remained on my file for 14years thus causing me an issue. Welcome are the only ones who I have not managed to register a complaint against.

Does anyone know if I can still make a complaint against Welcome even though they are obviously now failed. I want to complain about credit reporting etc. Sorry if not appropriate to create a thread. Many thanks

So an update for you all. Having spoken to around 10 brokers and 2 high streets they all say the debts need to be paid off. Of course, I know theres the question how will they know but lets leave that aside for one moment...... I have negotiated very small F&F's with some but PRA are offering virtually nothing off ( 2500 o/s down to 2400) even though all 3 accounts are unenforceable and I am currently paying £1 per month and all are past the default + 6 years date. I am really struggling to understand the business logic in this

Thanks - I have started enquiries and will let you know how it goes!

its about 65% LTV

I think the difference at play here is that I am being honest and saying I have only just finished a DMP

so, if you burn the body then there is no trace - along comes DNA 20 years later I am not saying you are wrong just finding it hard to understanding

I am sorry, I am having real trouble in understanding why you think someone lending you £350,000 has no right to know if you are more/less likely to repay the money lent? Mortgage fraud is very real and is criminal I believe, in cases, attracting custodial sentences. I highlight this for anyone reading this and seeking advise.

Its an interesting point you are making. If a lender has a question on an app form "Have you EVER experienced credit issues" I find it hard to find any other answer than yes? Now, I know the law is not as straight forward as that.......

"They" are the lender, surely lying on the application is mortgage fraud or something

But if they ask in the application you have to answer honestly surely? And I am assured most do ask.

No CCj's, no defaults. Any ideas on a good broker - I have tried a few so far

My credit file is as near to perfect as you can get. No missed payments, 5% credit usage, reasonably high earnings (62k). I will also have a 140k deposit

why do you think this broker believes I wont get better than 4.8%? I would ask him but he wont pick up. Any thoughts on a decent broker that can help? As of last month I dont have a DMP. Before that I had been paying from my savings so its not on my bank account for 3/4 months and credit file is clear. Assume the problem is that the lender will ask if I have ever had any credit issues perhaps?

I have cancelled the DMP, stopped paying all but 4 and am still considering those. House sale has now gone through and I am talking to a mortgage broker who says the best he can do is 4.8%. I assume this is due to the DMP. Is that it now, cos I signed up for this then I will never get a competitive mortgage again?

Are you saying if they didnt issue a default notice then they lose the court claim? What if they have all documentation do I get to pay them before a CCJ? Sorry if I am being a pain or a bit dim!

Oh yes, as long as I dont have a DMP and the credit file is as it is now (which is virtually as good as can be) I will have no probs with the mortgage. I am very fortunate. I am actually thinking of getting the OC to add the default for those not already added. In the meantime I am going to stop the DMP. Arrange to pay the 4 that havent defaulted to preserve the credit file and then once a default is added stop paying them. Then I can await any action. One question that wasnt answered was - if a court claim is filed and we put them to proof and they can provide proof, can I pay them without getting a CCJ or is that it?

Yep, should have made sure all were defaulted, sucked up the bad credit for 6 years (which I had anyway) .

Thanks for your thoughts. I guess I could go to the OC and get them to add the defaults but that might be a long process. I have only just started entertaining the idea of not paying as my main priority was getting a clear credit report as needed to move home urgently due to personal reasons. Now I am sorted on the credit file front its a case of seeing if I can stop paying this turkeys without going backwards.

There were 4 debts that were being reported and were affecting my credit file. The other 6 are all defaulted and long since dropped off. I complained to these 4 stating that these debts should have been defaulted years ago and should therefore be off my file. They upheld my complaint but said they couldnt add a retrospective default date but that they would stop reporting to my credit file as it was unfair as they should have been defaulted years ago. I have continued to pay each of the creditors on the DMP for the duration at the same amount.

It was the DCA's who I complained to. They were the ones reporting the debt. They have stopped now but theres no default date. They are more than 6 years old yes, but I don't think that on its own is a reason for it not to reported? If I had a legal reason why they couldnt start reporting the debts again I would gladly stop paying them - but at this point for these 4 I dont. The others that have defaulted + 6 years are no problem

Trouble is I cant do that though - I absolutely have to be able to get a mortgage at the end of this year and if theres a DMP or "arrange to pay" on it then I cant. Understand the ones past the default + 6 years cant start reporting but I assume by your answers that the ones that dont have a default date can. This effectively means I will need to carry on paying those 4. I am thinking stop the DMP - make a personal arrangement with the 4 that arent defaulted. At least it will have more than halved the payment - unless there is a way of guaranteeing that they wont re-appear.