Halifax Credit Card Default

[bozzie35]

Hi can anyone help, on the following:

 

Last week I ran my credit report and found that there is a default on there for my Halifax Credit Card. This account I originally fell into arrears in 2002/2003 so decided to go through a debt managment company to pay back the debt. I joined the debt management company in 2003, on my current credit report this default it showing as it first defaulted in May 2005. Does it take 2 years for a default to appear on my credit file. I have spoken with Blair Oliver & Scott and they took over the debt in may 2005 from the Halifax. I have explained the situation and they just refer me back to halifax and halifax refer me back to Blair Oliver & Scott. I'm 100% sure this should of defaulted sooner than 2005, also what I find more weird I ran my credit report in Sept 09 and this default is not showing...... what can I do to resolve this, as neither company is taking ownership.:confused:

[Dotty50]

Hi Bozzie,

 

Do you remember ever receiving a default notice or a letter advising that a default would be registered?

 

For your information, Halifax and Blair Oliver Scott are one and the same Bank of Scotland

Edited August 23, 2010 by Dotty50

[bozzie35]

Actually no I never did receive a default notice

[MountainGoat]

What happened here bozzie?

 

I too had a halifax CC but recieved no letter telling me a default would be registered.

[Dotty50]

You could send a SAR and the logs should reveal when it was registered (or should have been) and if a DN or NOD was sent to you.

 

Whether you could get it removed, if it was incorrectly registered, is a different matter.

[MountainGoat]

You could send a SAR and the logs should reveal when it was registered (or should have been) and if a DN or NOD was sent to you.

 

Whether you could get it removed, if it was incorrectly registered, is a different matter.

 

Thanks Dotty

 

Not sure if i should awaken a sleeping beast so to speak. I deafulted in 2005 ( I think, as there are a few dates on my credit report) and it should drop of next year anyway.

Edited August 29, 2010 by MountainGoat

[Dotty50]

Yes I think I would leave it be and see if anything happens.

[bozzie35]

Question... I started with the debt management programme on this credit in 2003 so why would the default only register in 2005??