ICO & AP's = waste of time

[Bettingmad]

I am currently in a DMP and have been for over 3.5 yrs.

 

 

One of my creditors is Idem, formerly with Moorview (same company) and before that Egg.

They have maintained a '6' status for 3 yrs along with a DMP marker.

 

I have complained to the ICO who have said that they are processing my data correctly in applying the '6' marker as arrears.

 

 

I am obviously worse off than if the account had been defaulted as my DMP has 3 yrs left, making the plan 6 yrs in total.

 

 

How they can get away with this practice as it's perversely unfair.

 

 

My dilemma now is do I now stop paying to force a default or hope that in 3 yrs the impact of my '6' markers and DMP flag is the lesser of 2 evils.

 

My understanding of the '6' marker was that it was a late payment marker,

 

 

ICO's view is that the status is in relation to arrears.

 

 

Can an ICO decision be challenged anywhere?

[dx100uk]

yea sadly 6 is simply a late payment marker

 

 

the ico changed things a while back on the AP stuff, and its a bugger

 

 

have you written to EGG

and asked them why they never entered a default via a DN?

 

 

have you sent EGG an sar to Canadian square address?

 

 

if you can find a DN was send

you could get this resolved.

 

 

dx

[SabreSheep]

ON a side note who is your dmp

 

and is the debt a credit card

[Bettingmad]

Sadly, my loan was passed over to Moorgate when Egg were dumping their books at the same time I was getting into difficulties.

 

If a 6 is a late payment marker then isn't this considered unfair in view that I am making all agreed payments on time? I can handle the DMP marker it's the 6's that really rankle with me.

 

Barclays also have me AP markers however my status is showing green. I thought the whole principle is about fairness? Clearly not the case when I should have been a non payer from the start.

 

I have gone down the CCA route and the paperwork provided looks good. I really would'nt want to default after already having payed for 3.5 yrs with only 3 to go.

 

DMP is with Payplan.