Default Date on Credit Report

[sly2604]

I hope the below makes sense.

 

I have check my credit report, and there is a default date of 9/6/2011 recored against Clydesdale Finaincal Services, as soon as I saw this I paid the account off. I have since received a statement from Barclays Partner Finance which states the default went on to the account in 2009. The statement reads as follows

 

26/6/2009 - Default Sum L1

10/7/2009 - Default Sum L2

24/7/2009 - Default Sum L3

7/8/2009 - Default Sum L4

24/8/2009 - Default Sum L5

8/10/2009 - Default Sum L6

24/10/2009 - Defult Sum L8

 

Nothing was showing on my credit report for these dates, I do not despite these because like most people we had finincal problems. We had passed our finances on the a debt management to pay for us which they took over Aug 2009, all agreed payments were made each month.

 

If anything has shown on my credit file for these date I would not of been able to get a £94k loan to build my own home, which we started to build on 13/6/2011, which because of this default date we are unable to obtain a morgtage to allow us to move in to the property.

 

The Barclays statement does not show any default againt 9/6/2011.

 

How can the default date show on my credit report be 2 years after the account went in to default, I am fighting this with Barclays but they do not seem to understand what I am trying to change (I hope you can)

 

I look forward to your advise

[craigers]

sly, if thats a statement i would guess these are charges, not dates for a default.

[BRIGADIER2JCS]

Late and or missed payments and the charges

appliied I think.

[sly2604]

Thank you for the help.

 

But no payments were missed in 2011, and according to Barclays the payments missed were in 2009. so how can they recorded the default date on my credit report 2 yrs later.

[BRIGADIER2JCS]

Hi, Defaults should be placed in a timely manner,within

six months the ''guidance'' states, so your defaults can

be challenged with the creditor as unfair, gather all the

detail in chhronological order and write to the company

stating you consider it unfair to place the default on your file

two years after the cause of action, copy the letter to the CRAs

displaying the data and send it to the COMPLIANCE Manager.

 

Brig.