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superdave

Incorrect Default Date?

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Just after some advice please on my situation.

 

I’ve been in a DMP with Stepchange since June 2011.

I currently pay £100 per month on an outstanding debt of £24k, split between 8 creditors. Most of the original debts have been resold.

I had fallen behind on payments at the end of 2010.

 

Fast forward to now

I’ve noticed that in my credit file that 2 of my DMP accounts are showing as having only defaulted in June 2014.

 

I can’t understand why they waited 3 years to default them, given that I’d been making very much reduced payments for 3 years.

 

Do I have any options for getting the default date moved back in line with the others in 2011?

 

The two accounts were an overdraft from HSBC (they correctly defaulted a credit card I’d also had with them) and a credit card from Barclaycard, (they correctly defaulted two others that were bought from Egg) now resold to PRA.

Both accounts were opened in 1997.

 

I am intending on doing F&F settlements with them all in the next few months

, but I would like to get these default dates sorted out first, so they drop off my credit file in 2017, rather than 2020.

 

Has anyone had any similar issues and any successes?

 

Thanks!

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