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mickey00
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2 Posts

Posted - 08 January 2019 :  15:02:23  Show Profile  Reply with Quote
hi, I took out a trust deed in 2013 and was discharged Jun 2017. I'm a bit confused about what my credit file should be showing. I can see my Lloyd's and Halifax debts which were included in the TD under closed accounts with status as Satisfied and balance as 0. But when i click in the Status History I can see red circles that say DF from May 2013 through to July 2017 and then it says PS on Aug 2017, which I assume means partially satisfied. Will these DFs fall off when the trust deed falls off my report in a few months, or will the last DF be there for 6 years after Jul 2017?

TDA (Debt Adviser)
Trust Deed Expert



12834 Posts

Posted - 08 January 2019 :  15:11:53  Show Profile  Reply with Quote
Welcome mickey00.

Don't worry about the status history.

Look instead for the date the formal default notice on each account was issued. Each account will fall off your credit report six years after that initial formal default notice was issue.

They should not have been dated after your trust deed began.

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

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mickey00
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2 Posts

Posted - 08 January 2019 :  17:55:10  Show Profile  Reply with Quote
thank you for putting my mind to rest. the date of default is recorded as May 2013.
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Garydonna
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2 Posts

Posted - 08 January 2019 :  22:31:15  Show Profile  Reply with Quote
Does anyone think that RBS will finally pay out on PPI payments? I know that they are appealing the latest judgement, but surely after losing in the Supreme Court it will cost them even more money in the long run.

Edited by - Garydonna on 08 January 2019 22:32:16
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TDA (Debt Adviser)
Trust Deed Expert



12834 Posts

Posted - 09 January 2019 :  09:11:44  Show Profile  Reply with Quote
Nobody knows, Garydonna.

Your guess is as good as anyone else's.

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