@experianexperts Defaults / Stepchange

[dannyfleetwood]

I am after some advice. Really stressing me out now!! Basically I entered a DMP on 09/2009. I have currently paid £5,527 to date with a further £8,488 to pay but I am increasing payments to £510 per month so this will be clear by mid 2014.

 

I have been looking at me credit file with experian and noticed the following default dates....

 

Lloyds TSB (17.02.2012)

Also says Arrangement start date was 01/12/2009 and end date was 01/06/2012. Surely I should have defaulted before this date as technically, when I entered the DMP I broke my original agreement.

 

Lloyds TSB (10.02.2011)

Also says Arrangement start date was 01/12/2009 and end date was 01/02/2011. Surely I should have defaulted before this date as technically, when I entered the DMP I broke my original agreement.

 

HFC Bank (28/06/2010)

No arrangement to pay details on credit file however, this default looks fair enough to me as it was 6 months after my DMP started.

 

HFC Bank (31/08/2010)

Also says Arrangement start date was 01/03/2010 and end date was 01/08/2010. Surely I should have defaulted before this date as technically, when I entered the DMP I broke my original agreement.

 

HFC Bank (31/08/2010)

Also says Partial Settlement was 01/07/2011. This was actually paid in full as I rang them and they advised me that the ammount I paid is the ammount I actually owed them.

 

Halifax (07/05/2010)

This default looks fair enough to me again as it was within 6 months of my DMP starting. No queries for this one. However, I would say that as this was an overdraft this would have been made up purely of late peymant charges? Anything I can do?

 

Halifax (22/08/2011)

Also says Arrangement start date was 01/12/2009 and end date was 01/02/2011. Surely I should have defaulted before this date as technically, when I entered the DMP I broke my original agreement.

 

Lloyds TSB (29/03/2012)

Also says Arrangement start date was 01/10/2011 and end date was 01/01/2012. Surely I should have defaulted before this date as technically, when I entered the DMP I broke my original agreement. This is the one thats peeing me off the most!!

 

Any advice as to what I can do and do I have a case on any of the above? Also, Seeing as though a few of them will be dropping off in 2-4 years, is is actually worth paying these debts off by mid 2014? Wouldn't I be better dragging it out over the next 4 years or so?

 

If I claimed back PPI would they come off my Lloyds TSB balances as they would be the company I would be claiming against?

 

Thanks in advance for any help that is given to me, I am pulling my hair out!!