Wrongful Defaults and Statute Barring

[Captain Haddock]

A 1st Crud disputed debt became SBd last week (I'm in Scotland). It has a incorrect marker placed, I believe, by 1st Crud. Though the SB trigger date in Scotland is 5 years as opposed to 6 in England & Wales, I noticed that, on the CRA site displaying my credit file, the data will remain for 6 years. Any thought on asking - again - for this to be removed or should I just let it slide? It's finally the only bad mark on my file!

[Nibbler]

Re: Wrongful Defaults and Statute Barring

Current guidance and practice for the CRAs is 6 years on credit reports for defaulted accounts in England/NI/Wales & Scotland. It is possible to construct vaguely plausible arguments (very vaguely) to say it should be different in Scotland, but unless the official guidance is changed then you are going to get no-where with the argument, and at present it's NOT changing.

Is the default date itself incorrect? Too late?

May be worth disputing that if it is?

[Captain Haddock]

Re: Wrongful Defaults and Statute Barring

I've queried both the CRA and Crud about it in the recent past. The former told me to write to Crud; the latter just ignored the request to have it amended.

At my age, I'm frankly not bothered much about one bad marker, not after nine years of fighting banks, credit card companies and lying, cheating DCAs and their devious lawyers. For the past year or so, they've all died off, so to speak, so I think I'll let this slide till this time next year.