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owen2015

aa loan delayed default

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I have been in financial difficultie for a few years now and recently checked my credit file for a AA loan,

 

stupidly I only had 2 payments left on the loan for £230ish a month. I have checked my credit file and its shown 1 payment down for nearly 3 years and then they have defaulted it. I am not overly concerned as I intend to settle soon but just curious if they are allowed to do this.

 

just seems weird that they can keep an account and then default after 3/4 years??

my credit file shows as follows

 

Status history

 

 

2017 - Default

2016 - 1 down until November when it defaults

2015 - 1 down

2014 - 1 down

2013 - 1 down

 

for the record no payments were sent to this creditor throughout this time?

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its the defaulted date in the summary that s the important bit.

 

 

dx


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The summary shows it defaulted in October 2016..just seems weird that they have waited nearly 4 years to default it

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then you complain to the ICO with proof.

 

 

is this an old BOS AA loan?


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Is the loan still with the original creditor owen ? or has it been assigned/sold to a DCA ?

 

How many payments/months did you miss ?

 

Did they send you a Default Notice ?

 

Andy


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I am not sure if it's with the original creditor it still shows on my credit file as AA financial.

 

The loan only had 2 payments left each payment was about £245.

 

Not received a default as far as I can remember.

 

Seems strange they can just leave it for 4 years and then decide to default

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So you have the evidence

Write to the AA demand the default is placed within 3 MTS of last payment or you'll complaint to the ico


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So you have the evidence

Write to the AA demand the default is placed within 3 MTS of last payment or you'll complaint to the ico

 

Ok will do - is their any particular points I should reference in relation to defaults being placed within 3 months or is that common knowledge ?

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