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Idem default on credit file for MBNA card

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Hi, I'm new so please move if I've posted to the wrong place!

 

I had an MBMA card, I defaulted and it was sold to IDEM. I paid off the full debt by month payments at an agreed amount and the debt was cleared this year.

 

I had other debts that I paid off and they show as settled or closed and the default date being the actual dale that I defaulted but the IDEM shows the default each month up to the final payment this year.

 

Can this be changed to show the actual default date or am I stuck with this on my file for another 6 years even though it's now paid in full?

 

Thanks

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Hi and Welcome to CAG

 

What date/ year did you default with MBNA ?

 

Andy

 

Thread moved to MBNA Forum.


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Hi Andy,

 

MBMA defaulted Nov 2014 and the debt was sold to IDEM

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So IDEM are correct to report it on your credit files....all defaults must be reported and shown for 6 years  (2014 -2020)


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Yes I get that, it shows as two defaults for one debt - one for MBNA and one for IDEM, so my account is reporting that I have 3 defaults, MBNA, IDEM and another when I actually only have 2 defaulted debts. Thanks.

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They are all the same account number so it does not matter.......original creditor/ DCA...quite normal...MBNA will fall off eventually.  

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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OK cheers, I just thought it would drop off six years after default date (2014) not the date I paid the final payment (2019)

Appreciate your help :)

Thanks

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when the OC's original default date reaches its 6th birthday

any account referring to the same debt are removed from your file never to return.

regardless to if the debt is settled or not

 

forget the calendar markers they are immaterial. 


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Thank that's helpful dx100uk

 

I defaulted 2014 so it will drop off next year.

 

Thanks I get it now!

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