Welcome to the forum Charlie232.

This following article should answer all of your questions!

https://www.trust-deed.co.uk/repair-your-credit-rating.html

I hope that it helps and let us know if you have further questions after reading it.

Thank you,
Excellent article, i shall follow up on that advice contained within.
Is there any specific format that the letter should be addressed in?
Obviously I can obtain the address details from m credit file, so the creditors have to adjust the date of default accordingly, if they disagree, is there anything further that I could do?
Many thanks in advance...
kind regards

Hi Charlie232.

I don't think that there is any specific format to follow with the letter.

If you don't make any progress after writing to them I would:

1 - Make a formal complaint to the lender.

2 - If that doesn't work, raise the matter with the Information Commissioner.

Hopefully neither of these steps will be necessary though.

Very many thanks...

I am also going through this process at the moment, one thing I'm coming up against is creditors that have sold on the debt claiming they cant find any record of the debt, and the company that bought the debt claiming its up to the original creditor to update the credit files. This has been going on for a couple of months with only about 10% of creditors sorting out the credit records, think I may have to go down the road of contacting the Information Commissioner.

That is great help, i didn't even think about that...
Thank You!!
I will still have to start with the Data Controller for each Creditor, before contacting the ICO...
You can contact the Credit Reference Agency aswell, they will also look into it for you..

Hi.

In terms of default notices I can only think the responsibility to update would be with the issuer rather than a subsequent debt purchaser.

This isn't a statement of fact though. We're not really experts on credit files but have just learned a bit over time by making enquiries connected to forum threads here.