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Overdraft default and credit file entries. HELP


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Hi,

 

On my credit file, Halifax have continually registered "late payment" on an overdraft facility over a 17 month period before selling the debt and registering it as "partially settled".

 

This means the effective time for the debt to "fall off" my credit report has been extended by over a year.

 

This is not a true reflection of the account, since no payments were made by myself during this time.

 

At some point (after 6 months??) they should surely have registered a default.

 

Can they even sell the debt on without officially defaulting the debt first?

 

Does anyone know how I can get this amended? What are the rules for reporting and defaulting on overdrafts? :-x

 

Thanks in advance.

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Hi. Sorry you were missed.

 

In the information Commissioners guidance, they state that a default should be placed as soon as practicable but certainly within 6 months of the cause (non payment)

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