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Scottish Trust Deed Forum
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Topic starter
07/12/2013 9:29 pm
I'm only just halfway through TD but wondered if at this stage the default dates are anything to be concerned about?
I signed on 25/04/12 but default dates range from March - August
Should I just leave them and try to get them changed once I have been discharged or is there any benefit to having the updated now?
final payment 1st May 2015
07/12/2013 9:35 pm
Is it March - August this year?
Topic starter
07/12/2013 11:02 pm
No dates are all 2012 just a few months difference from date of signing TD
final payment 1st May 2015
07/12/2013 11:09 pm
In that case I wouldn't worry too much. I think every creditor has their own guidelines as what they class as a default i.e. amount of missed payments or time since the account was last paid. Best to check with the individual companies what constitutes a default in their books before you challenge the credit rating. I hear that they can be slow to amend errors so it is probably best to tackle it as soon as possible.
Barclaycard have me recorded as a late payer, they haven't defaulted it despite me not paying them since 2009.
08/12/2013 12:36 am
You could ask to have them changed to a date no later then when your td got protected but you will probably have time when the td finishes to sort defaults out.
Paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
