2 year old default still can't get credit

[Lucky4Seven]

I need some advice regarding a 2 year old default.

The default was registered at the CRA's and I have a grievance.

At the time of default, my credit card account was on hold due to having financial difficulties.

I had lost my benefit income when I was transfered over from DLA to PIP and couldn't make my payments for a few months due to having to wait for a tribunal date to get my benefit reinstated.

The credit card company sent me a letter in May 2018 saying they will no longer chase me for payment due to my circumstances, but still registered a default in June 2018.

I was forced to putting on a Notice of Correction on my credit file that the account was on hold due to financial difficulties at the time when the card company issued the default, which I felt was unfair under the circumstances.

So the default is now 2 years old, and I still cannot get credit of any description, not even a credit card from my own bank!!

My credit score with Experian is now 590.

Any help please!

[ShinyOwl]

When you were speaking with the creditor back then did they tell you they were going to put a default because by the rules set out with the ICO they are meant to give you some notice before doing so. You should call them and speak with someone higher up to request a removal. They frontline will say no so just keep asking till you get a manager email address. You should do everything over written confirmation such as post or email