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LS have defaulted me 0n 02/03/13 and they are refusing to change it

 

I SAR'd LS and in the partial reply I got from them was the termination notice which states the date of 18/10/12

 

They have refused to alter the date so I have raised it with the FOS and ICO

 

But for info here is what they sent me -

 

We are writing in reference to your recent correspondence.

 

We have reviewed your account and would like to share our findings. You borrowed one loan from Lending Stream; the ownership of which has been transferred to Motor Mile Finance Ltd, due to prolonged missed payments (can be contacted directly at 0113 887 6876).

 

We understand that you are concerned about the default reported on your credit file. As the lending industry and the regulatory bodies rely on accurate reporting to the credit bureaus in order to ensure that correct lending decisions are being made, therefore, we do not remove the default mark when it has been reported genuinely.

 

Our records indicates that we did not receive the payments on scheduled dates. We emailed you several notices (Notice of Arrears, default and termination) to the registered email Id and a Notice of Default was also mailed to your registered residential address. Please be advised that we report the default mark on customer's credit file after 180+ day when he/she misses his/her first payment (which in your case is 2nd March 2013 and Notice of Termination (NOT) is send to the customer on the 84th day of account going into arrears (which in your case is 18th October 2012). Hence, the both cannot be on the same date.

 

Our constant message to customers whose circumstances change, or who experience hardship, is to speak to us and we will work something out together. Upon reviewing your accounts, we found that we were never informed about your financial adversity. Had we been informed, we would have helped you clear the debt in affordable and timely repayments.

 

Having said the above, we would like to inform you that the Default has been reported genuinely and we would be unable to comply to your request of Default removal.

 

We appreciate your understanding towards this matter.

 

For further queries, please email us at complaints@lendingstream.co.uk or call on 0203 365 0138 (Monday to Friday between 7 am to 10 pm). Call charges apply.

 

Regards,

Lending Stream Complaints Department

 

So they seem to think that they can default me 5 months after a loan was terminated, this should be an easy win at the FOS :wink:

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I can't open that link Andy just takes me to a search page

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