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how long does a lender have to register a default with cras

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I was checking my updated credit file today as I do every month and a new default has been applied this month.

Its from a pdl that id forgotten about the loan may have been taken out in 2010 I recon. The company have it starting 06/2011 at and defaulting 11/2011. I never had any payday loans at that time they stated.


The default date is also 22 months before they first started allegedly reporting this debt. It goes back to sept 2013 for the first entry dsaying it is in default. Even tough today is the first time I have seen it

Are they allowed to do this? They seem to be 1. Falsley reporting the start date of the account. 2 the default date 3 the date they started reporting the account on the cra. Its noddle I check every month so I know it may be a bit behind but surely not by 7 months

My questuon is what course of action can I take and di I have a case for getting it removed. I am in the position I could pay it off if it turns out I owe it.

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If you are sure that the default was added incorrectly, then you need to issue a formal complaint with the PDL's data controller. This gives them 56 days to sort the issue out, or you can escalate it to the ombudsman who will make a decision for them.

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


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