Can I get this default removed?

[boo304]

Hi,

 

I wonder if someone can help me please? I checked my credit file recently and noticed that a loan account (which I settled 18 months ago), has an outstanding balance and a default on it.

 

I wrote to them asking them to amend the records to show the true balance, and advised them that I disagreed with the default. I did default on the account, but thought the record of it was placed on my credit file too late.

 

To cut a long story short, I took out a loan in Jan 2004, and made full payments until Jan 2007. Then I missed 3 payments, but set up a new direct debit and made payments on 28 May and 28 June 2007. The default was registered on 12 June 2007. I then missed 6 months' worth of payments, and after this paid on time and settled the account.

 

I've written to them asking for a copy of the default notice but they haven't sent it, just sent a copy of my loan agreement. Can I argue this default notice or do I not have a leg to stand on?

 

Thanks

[dundeelaw]

The Consumer Forums - Accuracy of a lender’s default records - Page 6

 

Check this link. It has imformation from the Information Comissionners Office on Lenders Records regarding placing a Default on someone's Credit File.

[247orbital]

I think the ICO state that a default should be placed on your file no longer than 6 months after the account is closed. I have one which is 15 months later.