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Hi.
To cut a long story short.... I started a DMP in 2009. A lot of my creditors defulted me 3 months later due to having to accept a reduced payment. Much to my horror, I checked my credit report last week and noticed that Lloyds TSB and Halifax have defaulted me in 2012. Which is 3 years later than any other creditor. They have put "Debt Management Plan" on my credit file.
Is this allowed?
I did complain to Experian but they got a response from both credtors telling me to get in touch with them directly and they cannot change the entries.
My argument is that I would have been better ignoring the debt for 3 months rather than going on the DMP. These defaults would then be off my account in 3 years but instead I now have to wait till 2018!!!
Any advice really appreciated.
Thank you.
To cut a long story short.... I started a DMP in 2009. A lot of my creditors defulted me 3 months later due to having to accept a reduced payment. Much to my horror, I checked my credit report last week and noticed that Lloyds TSB and Halifax have defaulted me in 2012. Which is 3 years later than any other creditor. They have put "Debt Management Plan" on my credit file.
Is this allowed?
I did complain to Experian but they got a response from both credtors telling me to get in touch with them directly and they cannot change the entries.
My argument is that I would have been better ignoring the debt for 3 months rather than going on the DMP. These defaults would then be off my account in 3 years but instead I now have to wait till 2018!!!
Any advice really appreciated.
Thank you.
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