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 Default on credit file after discharge
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james1981
New Member

3 Posts

Posted - 20 December 2017 :  19:10:12  Show Profile  Reply with Quote
Hi all,
Wondering if anyone has advice, I have been discharged form my trust deed for around 18 months now and was attempting to look at mortgages.
On viewing my credit file I found that on of the companies involved in my TD is still actively marking it each month as a default, looking into it it states "gone away" but still shows as active unlike the rest which state differently.
I know getting credit is difficult after a TD but this has completely stopped me in my tracks unless I can get it to the same state as the others.
What do I/can I do about this?
Are they allowed to do this?
Any help welcomed

TDA (Debt Adviser)
Trust Deed Expert



12423 Posts

Posted - 21 December 2017 :  09:24:35  Show Profile  Reply with Quote
Welcome to the forum james1981.

This article should help:

https://www.trust-deed.co.uk/news/defaultnoticesandyourtrustdeed.php

You should contact the relevant creditor and require them to change this.

Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds    
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james1981
New Member

3 Posts

Posted - 21 December 2017 :  10:10:38  Show Profile  Reply with Quote
Thanks for that.
If i am reading right best course is to write to the companies insolvency dept and ask them to correct it?
Do they hace a time scale in which to do so or is it at their discretion?
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TDA (Debt Adviser)
Trust Deed Expert



12423 Posts

Posted - 21 December 2017 :  12:13:53  Show Profile  Reply with Quote
Hi james1981.

I'd personally get in touch with the complaints department or customer services.

If you make a complaint then financial firms have to deal with them within set periods of time.

A more general enquiry or request wouldn't have fixed timescales to be dealt with.

Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds    
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james1981
New Member

3 Posts

Posted - 21 December 2017 :  12:45:56  Show Profile  Reply with Quote
Thanks again for the info.
Do you or anyone else know of a template letter that would cover this with all the info I would need to supply them?
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Lesley Wilson
Regular Contributor

15 Posts

Posted - 21 December 2017 :  14:03:32  Show Profile  Reply with Quote
I had the same issues and went through the procedure that you have been advised to do, through the companies formal complaints procedure, which I was able to start through their website by email (my issue was with Clydesdale Bank). I basically asked them to update the information they were providing to credit agencies as I had been discharged from my TD.I had tried on two occasions writing to the company but on both occasions they say they could not track my letter down, even though one was sent recorded delivery.I received a reply to my email very quickly and was assigned a person who dealt with my complaint. I was requested to send another copy of my Form 5 and also a copy of my extract from the Register of Insolvencies which I did by email and as I had a contact name this time the information went right to him. The issue was then cleared up within a matter of days and by the next issue of my updated credit report the information was correct. Good luck.

Lesley Wilson
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