Hello my name is XXXXX XXXXX I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply, but rest assured I will be giving your question my immediate attention upon return You do not need to wait here as you will get an email when I reply.
Is the information accurate though held on the credit file?
On the credit file I have a red mark for every single month since my debt was sold to them. I have paid the debt off over a year ago. My mortgage broker told me when he looked at my report, it's as though I am ignoring a payment every month.
apart from that,. my credit file and score is very good
Do you accept you were in default or arrears?
In 2008, I was in debt. I had 2 credit card and a loan. My job was badly ffected in the recession and it became difficult to make the repayments. So I decided to go on a DMP - debt managemtn program with a company called Payplan. They took over everything but I never missed a payment. HSCB refused the first two payments and then began to accept them
But you did originally default?
yes in 2010 - through the DMP
Ok - I think its bad news in that if the record is accurate, in that you are in default then you may be in difficulty.
The record appears accurate in that you are in arrears from the original loan.
The only thing you can do in this case is complain to the Information Commissioner
They can investigate the complaint and see if it is justified.
Their website is: www.ico.gov.uk
But I dont think you can go to Court and get it removed, because it is not inaccurate.
so they can put a mark on my file even now
So try the ICO
Yes, if it is accurate, even if it was not recorded before
But try the ICO
I am sorry if this is not the answer you are after and certainly not the one I want to give you, but I have a duty to be honest
Can I clarify anything for you about this today please?
it's insane - I won't be able to get a mortgage
no, but thank you
Can I clarify anything else?