Showing results for tags 'default remove'.
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Hi, I am struggling to get Marbles Credit Card to change the default date they report to CRA's to a more accurate date. June 2002 - Get a new Marbles credit card. May 2009 - I lost my job. After 7 years of paying my credit card on time i am now struggling. The world financial crisis does not seem to be a temporary one so I write to Marbles explaining my financial hardship. June 2009 - I write to Marbles again. I have not used my card since i lost my job. I cut and return my card. I am advised by Marbles to seek advice from the CCCS. July 2009 - I report my financial situation to Marbles via the CCCS. I am unable to make my contractual obligations. Sept 2009 - Following the advice of the CCCS i make token payments of £1 to Marbles. However Marbles continue to add £200 interest and charges per month to my account. Aug 2010 - Marbles agree to stop adding interest and charges to the account after many plea's from myself. Sept 2011 - I am still making token payments. Marbles decide to sell my debt to a DCA. Sept 2011 - Marbles report a default with CRA. My other credit cards did this in 2009. Nov 2011 - My financial situation improves and my monthly payments improve to the DCA. Sept 2012 - I discover that the Marbles default is registered 2 years after i had stop making payments. I write to Marbles asking for the default date to be corrected to within 6 mths of when i stopped making payments in 2009. Aug 2013 - After being ignored for almost 6 moths a dialogue begins and eventually ends in August with their final response of rejection. Aug 2013 - I contact the Financial Ombudsman. Today: I receive a letter from the Ombudsman rejecting my complaint on the basis that a default is registered whenever Marbles decides the financial relationship has broken down. They decided this in Sept 2011. I have been working full time now for 2 years and have almost paid off my old credit cards. However i am unable to apply for any credit or get a mortgage because of the defaults. The defaults are all going to disappear in a year and a half. However the Marbles one will stay on my file for a further 3.5 years because they registered it 2 years after i stopped making my payments. I am being punished for paying my debts. Had i ignored them i would be financially better off and the default would have been registered in 2009. Any advice would be appreciated.
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