Default, similar to Charharp

[primrosebutterfly]

My Account is similar,

Last payments and acknowledgement 6 years this month,

Defaults 01/09 and 07/09

Is this too long

[FlamingParrot]

Re: Default, similar ro Charharp

Hi and welcome to LB!

Good news about your accounts becoming Statute Barred! :whoo: :whoo:

Your profile says you are in England, which means you would have defaulted in 2007! So yes, definitely much too long, the guidance states defaults should be recorded between 3 and 6 months after the first missed payment: http://www.ico.org.uk/~/media/docume...%20%20doc.ashx

11 Time framework

Although there will be some flexibility in the definition of a breakdown, we believe there should be general rules for the minimum period of arrears which should exist before a default can be filed. Equally there should be a maximum period after which, if anything is to be recorded with a credit reference agency, a default must be filed. The following are in line with the practices currently adopted by most lenders.

Accounts should not be routinely filed as being in default where full payments or those due under a rescheduled agreement are fewer than three consecutive months in arrears.

Accounts should normally be filed as being in default where those payments due have not been received for six months.
This time framework only relates to filing defaults. It does not affect the lenders’ ability to continue to report accurately on the extent of arrears using monthly status codes. We recognise that may not always be appropriate for products which advance credit over either a very short or very long-term.

[primrosebutterfly]

Re: Default, similar to Charharp

Thank you for your reply.

Should I write to Lloyds about this, and to the ICO to get them changed.

The credit card whose last payment was in January 2008 was defaulted in the August

Can someone help me with a letter for this?