The ICO states in its forward to the SCOR document: “ICO will retain a keen fascination with exactly how individual information is prepared in the credit industry, because of the importance for folks of choices according to CRA information. Accurate documentation lodged with a CRA should be a reflection that is reliable of individual’s credit standing. The information Protection Act 2018 will probably have already been breached where, as an example, inaccurate, away from date or extortionate data that are personal getting used to evaluate your credit-worthiness.”

I believe it’s this that has occurred here. If Satsuma had added the standard after 3-6 months of arrears it might be dropping down a year prior to when it’s going to presently. What this means is my missed payments are now being kept on record for 7 and a years that are half.

Should you not reconsider your choice, i’d like my problem to visit an Ombudsman.”

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

Hi Sara i recently desired to upgrade to my e-mail from addjudicator we received this evening. They havd told satsuma to improve the standard date to March 16 nearly one year earlier in the day . It’s been a struggle that is long satsuma refusing to improve it and telling me personally it may never be done very nearly half a year utilizing the ombudsman solutions . But then i would have just almost accepted the addjuticator if i hadn’t had the use of your knowledge . Many thanks for the make it has actually means a complete lot if you ask me and my children.

James M Harding says

We have three years of missed payments back at my credit where i’ve been spending paid off amount as agreed with my financial obligation administration agency. We also have actually 4 defaults on my credit history from 36 months ago from my other debts. We have the capability to pay the debt off in full now so i no more get any more missed repayments however i am going to need to wait the 6 years for those missed payments to fall off despite having the keep in mind that your debt is compensated. I’ve been agreed to replace the three years of missed payments to a backdated standard to ensure that in 2-3 years time all of the defaults fall down my report together. Which choice must I opt for?

We had written a note on here formerly regarding changing standard times. I became effective in negotiating change of standard times with Halifax and RBS, but Zopa declined to just accept I had been treated by them unfairly therefore will never budge regarding the date. We taken care of immediately these with an interest access request along side mentioning it will be introduced into the monetary ombudsman. (I’ve referred it however they are yet to react due to their choice).

They will have now did not 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 really isn’t expected to assist the FOS is won by you situation.

Okay. Thanks for the relative minds up. I’ll possibly push them because of it then.

We have a debt with lowell the original standard date was dec 2013 …but was updated to dec 16 now showing the subsequent date just am I able to ask because of this to be eliminated or perhaps not

Sara (Financial Obligation Camel) says

The lender that is original a default if Dev 2013?

Christine Spillane says

Hi, We have noticed back at you could try here my credit file from clear rating that We have defaults which are significantly more than 6yrs old but they are nevertheless showing up to my credit file. How to get these eliminated while they went through the 6yr mark.

Sara (Debt Camel) says

Ask Clearscore why they’ve been there.

Hi, we had a DRO on 4th 2014 which has dissapeared today august! But 2 associated with the creditors continue to have recorded a later on standard date (August twentieth 2014, therefore to not troubled about this one since it’s fourteen days away until it falls down my file) nevertheless the other that is wrong has March 2015 because the standard date, must I be calling the creditor to alter it into the date we joined the DRO or simply just keep it? Exactly how much effect would that have to my credit report?

Sara (Financial Obligation Camel) says

While you state a month or more does not matter but i believe it is better to ask the creditor to improve the subsequent one.

Sorry to hijack but I’ve seemed on all 3 agencies and a really 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 everything to enhance my ratings in the meantime.

On Experian; We have a “Current Status” of “Default/Ended” An “Account Settled” date of 31/07/2017 (Is it the standard date??) But a “Last Updated” date of 15/03/2020 this business place a marker on on a monthly basis that looks like I’m defaulting once again but I’ve keep reading your website which should vanish as soon as the default “Falls off”?

On Equifax; i’ve an “Updated” date of 17/08/2017 (Is it the default date??) “No data recorded” from July 2017 could be the only other information I’m able to provide you with with this one.

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

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

I assume the short real question is, 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 probability of getting court action in Scotland for the sum of the £2018?