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Hello, new to the forum.
To cut a long story short, I had 5 debts in 2009 that i was struggling with.
I entered into a debt management plan and continued to increase the monthly amounts as my employment improved, always well over the agreed amounts with the creditors.
In 2012 I was due a bonus with work, I had a 2 accounts with mbna one was for 2 thousand and one was for 300 pounds.
Sharing the bonus out equally allowed me enough money to pay the smaller card off completely.
On the 15th of May 2012 I requested the actual figure and discussed that I was due a bonus and would like a settlement figure, on the 13th of July having finally recieved my bonus i paid the account off.
On the 11th of June and the 4th of July I made my regular payments whilst waiting for the bonus.
Now Unfortunately a few of the creditors showed my credit file as default at the start of the debt management plan, which i accepted as my fault and lived within my means and improved my employment.
These defaults all dropped of my experian file this year, but on inspection i have found that mbna defaulted me in 2012 as they state I missed the settlement date.
I need to improve my credit file as my joint mortgage holder is terminally ill and I will need to re work my finances when she passes.
Any help would be greatly appreciated.
To cut a long story short, I had 5 debts in 2009 that i was struggling with.
I entered into a debt management plan and continued to increase the monthly amounts as my employment improved, always well over the agreed amounts with the creditors.
In 2012 I was due a bonus with work, I had a 2 accounts with mbna one was for 2 thousand and one was for 300 pounds.
Sharing the bonus out equally allowed me enough money to pay the smaller card off completely.
On the 15th of May 2012 I requested the actual figure and discussed that I was due a bonus and would like a settlement figure, on the 13th of July having finally recieved my bonus i paid the account off.
On the 11th of June and the 4th of July I made my regular payments whilst waiting for the bonus.
Now Unfortunately a few of the creditors showed my credit file as default at the start of the debt management plan, which i accepted as my fault and lived within my means and improved my employment.
These defaults all dropped of my experian file this year, but on inspection i have found that mbna defaulted me in 2012 as they state I missed the settlement date.
I need to improve my credit file as my joint mortgage holder is terminally ill and I will need to re work my finances when she passes.
Any help would be greatly appreciated.
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