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Hello,
NewDay applied a default to my credit file with an incorrect date. This complaint went through to the Financial Ombudsman who agreed with me that the default should have been applied in March of 2018, and therefore should have dropped off my credit file. This means that the default has been negatively impacting my credit file for 7 months (so far) longer than it should have been. Cabot applied for a CCJ for the same account which was granted in August 2019, so is due to drop off next August. I have satisfied this CCJ and do not dispute I owed the money.
However, as the default date was incorrect this is not an accurate representation of my credit history. I have asked Cabot to set aside the CCJ by consent at my cost to balance out the discrepancy between dates. They have declined as this would be seen as "credit washing".
Do I have a realistic defence to this CCJ? I fail to see how it can be seen as credit washing when the associated default has been on my credit file for 7 months longer thn it should have been. Would the CCJ have therefore been obtained with incorrect information provided to the court.
For additional information the CCJ was obtained by default as I had moved address in February 2019. I failed to update the creditor but a cursory glance at my credit file would have shown me on the electoral roll at my new address.
Many Thanks
NewDay applied a default to my credit file with an incorrect date. This complaint went through to the Financial Ombudsman who agreed with me that the default should have been applied in March of 2018, and therefore should have dropped off my credit file. This means that the default has been negatively impacting my credit file for 7 months (so far) longer than it should have been. Cabot applied for a CCJ for the same account which was granted in August 2019, so is due to drop off next August. I have satisfied this CCJ and do not dispute I owed the money.
However, as the default date was incorrect this is not an accurate representation of my credit history. I have asked Cabot to set aside the CCJ by consent at my cost to balance out the discrepancy between dates. They have declined as this would be seen as "credit washing".
Do I have a realistic defence to this CCJ? I fail to see how it can be seen as credit washing when the associated default has been on my credit file for 7 months longer thn it should have been. Would the CCJ have therefore been obtained with incorrect information provided to the court.
For additional information the CCJ was obtained by default as I had moved address in February 2019. I failed to update the creditor but a cursory glance at my credit file would have shown me on the electoral roll at my new address.
Many Thanks
