Incorrect default dates

[rizel23]

I currently have 3 defaults all under dispute that have hit stail mate.

So I'm focusing now on getting ready for when they drop off.

All 3 dates have been incorrectly entered on my Credit file.

Mercers/Barlcary defaulted me on:

27/08/2009

account was sold to Lowell s, but they list the default date as 10/02/2010 which was the date Barlclay card list the account as 'settled' and the date they also themselves list the default on.

I have all three original default letters, can I go about having the correct dates entered?

I have just ordered some up to date credit files to check for any other errors.

thanks

[Nibbler]

Re: Incorrect default dates

Mercers/Barlcary defaulted me on:

27/08/2009

So that was the date Barclays sent you a default notice under the consumer credit act in the post?

I'm afraid to say a default on your credit file does not have to share the same date as that.

The meaning of default in the 2 cases is different, and the one on your credit files can be entered some or many months after the CCA DN depending on circumstances.

account was sold to Lowell s, but they list the default date as 10/02/2010 which was the date Barlclay card list the account as 'settled' and the date they also themselves list the default on.

Selling the debt on is one possible trigger for a default on your credit files, so that could be reasonable.

[rizel23]

Re: Incorrect default dates

It was Mercers who defaulted me, on behalf of Barclaycard.

The Default Notice it's self is defective on a number of errors.

So whats the time frame they can enter a default notice date on a credit file?

Last payments were made months before the original default date, will the data drop of 6 years from date of last payment or 6 years from the date of the default recorded on file?

[Nibbler]

Re: Incorrect default dates

6 years from the recorded default.