Hi

I entered a Debt Arrangement Scheme (DAS) Scotland in October 2011. From this I now have 3 defaults my credit file. M&S and RBS have marked default from the date I entered this scheme (27.10.11) however MBNA have marked the default April 2012.

I have just had a baby and we are desperately hoping to be able to get a mortgage once the defaults have gone and were hoping for the end of this year. Is there anything I can do to get MBNS to change the date to 27.10.11?

Many thanks