Hi Everyone,
I have a default on my credit report from creation finance. the default date is wrong by a year, it should of dropped off August 2015 but will be on till August 2016. I contacted them to ask to change to the correct date, they didn't reply so I sent complaints to the FOS & ICO. The FOS told them they had to investigate & I have heard back from creation today saying they will not change the date as their debt collection dept can register the default whenever they want! Is this right? I have still not yet heard back from the ICO.
I was wondering, as the debt is now actually statute barred if I could in fact ask them to change the date to the correct date & I will make the payment to them for the debt? Am I able to do that or will that make the debt no longer statute barred? Also, if they refuse & I take this back to the FOS & ICO will it ruin my case, as if I've tried to bribe them?
Thanks in advance
I have a default on my credit report from creation finance. the default date is wrong by a year, it should of dropped off August 2015 but will be on till August 2016. I contacted them to ask to change to the correct date, they didn't reply so I sent complaints to the FOS & ICO. The FOS told them they had to investigate & I have heard back from creation today saying they will not change the date as their debt collection dept can register the default whenever they want! Is this right? I have still not yet heard back from the ICO.
I was wondering, as the debt is now actually statute barred if I could in fact ask them to change the date to the correct date & I will make the payment to them for the debt? Am I able to do that or will that make the debt no longer statute barred? Also, if they refuse & I take this back to the FOS & ICO will it ruin my case, as if I've tried to bribe them?
Thanks in advance
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