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28/08/2017 4:45 pm
Hi I entered into a trust deed in April 2013 and it was registered as protected on 25/06/13. I was discharged on 30/9/2016 but my creditors have not yet been paid. I have been using noddle to check my credit file. All my accounts are still shown as in default. The creditors are recording a default every month however on the status page of the account the default date is shown as 2013. Should I be writing to these creditors asking them to remove the defaults or is it the default date that is important and change my account status to settled?
29/08/2017 9:34 am
Yes, your creditors should amend your account status to settled or satisfied now that you are discharged from your Trust Deed. Once that happens then it is just the date of the formal default that is important, which seems to be correct. After 6 years this should disappear of your file for each of the debts.
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
Topic starter
29/08/2017 9:58 am
Thanks for replying. I'll contact them. What date should the default be recorded? Is it the date I entered into the trust deed (April) or the date it became protected (June).
29/08/2017 10:25 am
The date you signed the paperwork (in your case April)
Topic starter
29/08/2017 10:30 am
That's great. Thanks for your responses. I will write to my creditors.
29/08/2017 10:39 am
Send them copies of the form 5 this will have the relevant dates, they will likely as for it if you don't send proof
