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Default issued incorrectly, ruined my credit

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Hello everyone


I have a default on my credit report, dated the 9th August 2016, after many conversations with the co-op about the issue. I believe the default should not have been issued, and was issued in breach of the consumer credit act. Here's a timeline of events and amounts


  • 02/11/15 - Overdraft facility cancelled with outstanding amount of £1667
  • 10/11/15 - Repayment plan set up for £31.57 per month, for 6 months, with the letter stating that the co-op would be in contact to re-evaluate the plan at a later date.
  • I made all payments on time as per the agreement, with the final payment on 04/06/16. The payments were made by direct debit.
  • No contact received from co-op
  • 08/08/16 - Letter from co-op saying the account had been placed in default, and the debt had been passed on to a collection agency. The letter stated that the co-op would refuse to discuss the account any further
  • 09/08/16 - Default registered on credit report (this was not noticed by me until more recently). I had called the co-op, and they said the letter had been issued in error, and we set up another payment plan to continue repayments. This plan was for £x per month, starting on 01/09/16
  • 09/08/16 - Account statement shows balance changing to £0, then back to -£1423
  • 12/08/16 - Default notice received, stating that I had until 29/08/16 to repay the account in full, otherwise a default would be issued.
  • Multiple calls to co-op were made about this after the notice, and they assured me it had again been issued by mistake ("a mix-up in the process") and would be recalled, and I could continue making payments.


In September, I also received 3 more letters (on the 30/08, 07/09 and 23/09) asking me to pay money into the account, even though I already was. When I called the co-op about this, they told me to ignore them.


Then on the 5th November I checked my credit report, and noticed the default. I again called the co-op and was told it was an error, and that it would be removed. I was told the issue was being referred to the Credit Ref. Amendment department of the co-op bank.


My main issue here is that the default was issued before I had any chance to rectify it. I'm pretty sure the consumer credit act says they have to give me chance to repay in a certain period when the notice is sent.


I'm unsure what to do next, I've heard nothing since then, and I was making plans to buy a local business by applying for a business loan, but there's no way that will happen now.


I have been making payments and the current balance is now £1335.


Was I in the wrong here? Can anyone advise me on what to do next please?

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Well they were entitled to default you on the date you first defaulted (nov11)


But they didn't


CEO complaint?



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