sorry I was confusing the 2 march dates
so sent 11/02
but all bets might be off if your mates last payments was before those dates....
as andy says, and particularly in regard to hoist and all these ex BC accounts they have.
loads of threads here on them.
the last payment date is usually many months before the defaulted date registered on his CRa file so SB runs from that not DN +14.
but hoist will say anything to sc@m people
thread title updated and thread moved to BC forum