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How would I go about asking Smile/Co-Op to remove their account from my Credit File?


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Hi guys, complicated one this is, so bear with me.

 

Opened a Smile student account in 2000 with an overdraft. Used it fine for three years through uni. Then, when I got employment in 2002 - got a new current account with a different bank and started to pay off Smile Overdraft and a small Smile Visa card using a debt management company (basically because I had a few other debts and I hated having to deal with banks in those days).

 

But this was a big mistake. The debt management co. basically paid the co-op £12 a month for years (the overdraft was originally something like £2000). All through this time the Co-Op regularly sent me letters and calls saying I hadn't paid them, despite the fact the Debt Management company had been.

 

Two years ago I got fed up of still being harassed by the Co-Op and decided to ditch my debt management company and handle things myself. And, I'm now two payments away from settling the debt.

 

However - my credit rating is destroyed because of the Co-Op. They have not defaulted me, but all through the time I was regularly making payment to them through the debt management company they've marked my account with many bad markers - ranging from AP (arrangement to pay) and '6' markers - meaning the account is delinquent.

 

I feel a little hard done by here as I have been paying them all this time - and if they'd closed the account and defaulted me all those years ago, I'd be free (or almost free) of the default and have a better credit file too.

 

Instead they've chosen to keep this account active for 8 years and really screw me.

 

What should I do? Any ideas? Obviously I need to do something before I settle the account in September as I feel I won't have any ammunition if I no longer owe them anything. Can I ask them to remove the account from my file once it's been settled?

 

All suggestions gratefully received!

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