Many thanks Molly2 and citizenB I will get a letter together to try and get the dates changed. They are all credit cards. Thanks again

Hi I am hoping someone can shed some light on my issue. I have been on a DMP with CCCS (Step Change) since December 2009. Of the original eight creditors five applied defaults. They were applied on the following dates 05/01/2010, 09/02/2010, 07/12/2011, 09/03/2012 and 26/11/2012. I am due to complete my DMP in the middle of 2014 and my concern is that if defaults stay for 6 years then those added in 2012 will not fall off till 2018:jaw:. Does anyone know if there are any rules on when defaults should be applied, all creditors received DMP payments from Dec 2009 and have done so every month since. I just feel a bit cheesed off that this will effect me for almost 9 years rather than 6, this is not because I want to access more credit but I will need to remortgage as my fixed deal ends in Dec 2014. Many thanks