26 mts of '6' on CRA file, no default showing - help

[FosterFam]

Hi all

 

Ive finally managed to clear all my debts,

 

 

however I still can't get 'normal' credit, having checked my file the only negative info is from barclaycard who last updated December 2011

and for the 26 months prior to that they have reported a status code 6 every month.

I think they did this retrospectively when they transferred the debt to Cabot in December 2011.

 

My question is

am i able to ask them to remove the status updates as I was on a DMP which during Dec 2009 and December 2011

i was making the agreed payments.

 

 

During may 2009 & Nov 2009 i was making token £1 payments but still on DMP.

Or do I have to live with the status 6 as the payments weren't actually the amount agreed in the original credit terms ?

 

Your help would be appreciated I am trying to prepare myself ready for mortgage applications next year.

 

Thanks

[dx100uk]

so there is no defaulted date in the summary?

 

 

dx

[FosterFam]

Hi, they didn't ever mark the account as defaulted they just list the 6 month status going back the 26 months

[dx100uk]

ideally it should have been defaulted after you 3rd below par / missed payment.

 

 

dx

[FosterFam]

Right, I started the DMP in 2005 which may or may not be relevant

[dx100uk]

esp if the other debts were defaulted at the time of the dmp start

you have a good case

 

 

 

 

dx

[FosterFam]

ok , so i should write to them and ask them to amend based on the DMP starting in 2005 do you think ?