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Wrong default date?


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Hello all

 

I've just checked my Equifax credit report for the first time, and it's showing a default date of June 2008 for HFC Bank (a Marbles credit card).

 

I'm certain the last time I made a payment was no later than 2006, when I was made redundant. Can a bank 'hold' your account for a period of time before they mark it as defaulted?

 

Many thanks for reading!

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Enquire with the CRA who can contact the creditor to check.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thanks for that.

 

They have declined to assist - saying I must provide evidence of the incorrect default date.

 

If I send an SAR to HFC Bank will I be acknowledging the debt? Bearing in mind I have moved address a few times since my last payment to them, the only way I can identify myself is by giving them my old account number.

 

Thanks for your help.

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They declined? Call again. If there are any discrepancies, the CRA must add a note to the file, then contact the Creditor. If the marker is found to be correct, the note is removed.

 

Sar's dont acknowledge any debt. It merely demands all info the company holds on you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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