By delaying the date a standard was indeed added, my personal credit record will be weakened for extended.

By delaying the date a standard was indeed added, my personal credit record will be weakened for extended.

The ICO states in its forward to the SCOR document: “ICO will retain a interest that is keen how individual information is prepared in the credit industry, offered the importance for people of choices centered on CRA information. Accurate documentation lodged with a CRA must certanly be a reliable representation of an individual’s credit standing. The info Protection Act 2018 will probably have already been breached where, for instance, inaccurate, out of date or extortionate individual information is used to evaluate your credit-worthiness.”

I believe this is just what has occurred right here. If Satsuma had added the standard after 3-6 months of arrears it might be dropping down a earlier than it will currently year. This implies my missed payments are now being maintained record for 7 and a years that are half.

I wants my issue to attend an Ombudsman. if you don’t reconsider your final decision,”

Many thanks Sara for the response , i am going to back take this to your adjudicator and tell you the end result. I actually do really appreciate the right time you have invested taking a look at this dilemma. Yesterday i didn’t know where to start. Therefore many thanks once again.

Hi Sara i simply wished to upgrade on my e-mail from addjudicator we received today. They havd told satsuma to improve the standard date to March 16 nearly one earlier year . It’s been a struggle that is long satsuma refusing to improve it and telling me personally it might never be done nearly half a year aided by the ombudsman solutions . But try the web-site if I’dn’t had the usage your understanding I quickly might have simply nearly accepted the addjuticator . Many thanks for the make it has actually means a lot for me and my loved ones.

James M Harding says

We have three years of missed payments to my credit where i have already been having to pay paid off amount as agreed with my financial obligation administration agency. We additionally have actually 4 defaults back at my credit history from 36 months ago from my other debts. I’ve the capability to pay the debt off in full now so i no more get any more missed payments however i am going to need certainly to wait the 6 years of these missed payments to fall off even with the observe that your debt happens to be compensated. I’ve been provided to replace the 36 months of missed payments to a backdated standard to make certain that in 2-3 years time all of the defaults fall down my report together. Which option must I go after?

We had written a message on here formerly regarding changing standard times. I happened to be effective in negotiating modification of standard times with Halifax and RBS, nevertheless Zopa declined to just accept that they had treated me personally unfairly therefore will never budge regarding the date. I taken care of immediately all of them with a subject access demand along side mentioning it could be called into the ombudsman that is financial. (I’ve referred it however they are yet to react along with their choice).

They usually have now neglected to offer the information access, for more than 8 weeks. I became wondering whether I should contact Zopa or go directly to the financial ombudsman again if you think this may help my case with the financial ombudsman or?

Sara (Financial Obligation Camel) says

It’s aggravating but it’sn’t more likely to assist the FOS is won by you situation.

Okay. Thank you for the relative minds up. I’ll perhaps push them because of it then.

We have a debt with lowell the original standard date was dec 2013 …but ended up being updated to dec 16 now showing the later date just may I ask because of this to be eliminated or otherwise not

Sara (Financial Obligation Camel) says

The lender that is original a default if Dev 2013?

Christine Spillane says

Hi, we have actually noticed back at my credit file from clear rating that i’ve defaults which can be significantly more than 6yrs old but they are still showing up on my credit file. How do I get these eliminated while they went beyond the 6yr mark.

Sara (Financial Obligation Camel) says

Ask Clearscore why they have been here.

Hi, we had a DRO on August 4th 2014 which includes dissapeared today! But 2 of this creditors nevertheless have actually recorded a later standard date (August twentieth 2014, therefore to not ever troubled about this one since it’s a couple of weeks away until it falls down my file) however the other this is certainly wrong has March 2015 while the standard date, do I need to be calling the creditor to alter it towards the date we joined the DRO or perhaps keep it? Just how much effect would that have back at my credit history?

Sara (Financial Obligation Camel) says

While you state fourteen days does not matter but i believe it is far better ask the creditor to improve the subsequent one.

Sorry to hijack but I’ve seemed on all 3 agencies and a tremendously query that is similar.

FYI, I are now living in Scotland and had been looking to allow this fall down at the conclusion of 2023, saving for a home loan and doing every thing to enhance my ratings for the time being.

An“Account Settled” date of 31/07/2017 (Is this the default date??) But a “Last Updated” date of 15/03/2020 These guys put a marker on every month that looks like I’m defaulting again but I’ve read on your site that should disappear when the default “Falls off” on Experian; I have a “Current Status” of “Default/Ended”?

On Equifax; We have an “Updated” date of 17/08/2017 (Is it the standard date??) “No data recorded” from July 2017 could be the only other information I am able to provide using this one.

On Transunion; The “Date of Default” is 31/07/2017 nevertheless the Updated that is“Last is 04/07/2020 this option place a marker on every month that looks like I’m defaulting once again but I’ve continue reading your website which should fade away as soon as the default “Falls off”?

To enhance my confusion, Transunion show the account as available yet one other two reveal it as “In Default”

I suppose the question that is short, should all of these autumn off my reports because of the end of 2023? Offering I’m not issued with a decree.

Bonus matter: What’s the chances of getting court action in Scotland for the sum of the £2018?

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