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Default Dates, Arrangement to Pay, In Arrears

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As far as I was aware all my accounts had been Defaulted in April 2006, I received Default letters for them all.


I've checked my Credit file recently and:


1. my Halifax Credit Card Default is dated as January 2008, does anybody know why the date is different from my Default letter?


2. my Halifax Loan is down as an Arrangement to Pay, there's no Default registered. I've been paying reduced monthly payments for years now but I'm just worried in case they enter a default in the future, ruining my Credit file for another 6 years, can they do this even though I have a letter informing me of a Default being registered in April 2006?


3. Same situation with my Barclaycard, it's marked as In Arrears on my Credit file, no Default registered although they sent me a letter informing me of a Default being registered in April 2006.





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