Welcome to the forum GrangeLachie.

Any default notice should be issued no later than your trust deed began.

It should then vanish from your credit report six years later (around now).

Hopefully they'll correct this for you now if they've made an error.

Thanks for the welcome. I have all the paperwork at home (away at work just now) hopefully it will just take a call to sort out they should have records on file that it was included in the trust deed in fact they should have received their dividend. See what they say tomorrow.

Got my latest update from noddle I have a default showing up from lloyds (my original default was an old lloyds Tsb account) I don't understand why they still seem to have the full amount showing as a default when both myself and my trustee have all been discharged long time ago.

Contacted the lloyds recoveries department following an irate phone call they said again they will contact credit agencies to change date to original default date 13th September 2010. Been told to give it 28 days but it's very frustrating when things like this happen.

Hi GrangeLachie.

We've heard from a number of members who have received a payment in lieu of the hassle they've had due to a creditor misreporting to the credit reference agencies.

I'll give it until next month but this has greatly impacted my credit file 🙁

Hi Grangelachie

I understand your frustration. The good news is that it is only a temporary blip on your credit file, and as soon as it is corrected, it will change immediately.

I am curious. Had it disappeared and then it reappeared?
Not such a strange question actually. I had that with M&S for some reason. It fallped off and then appeared again each month. It seemed to be a blip with their system and I had to ride it out until it stopped. I did receive some compensation for that, although I would have preferred no hassle.

I would suggest you check each of the credit reference agencies to ensure they are all corrected - Equifax, Experian, Callcredit/Noddle.

I hope it is corrected soon. I know how important it feels to have the file clear at this point. In retrospect, it was less important.

I hope you get it corrected soon. Remember it wont show on your report until the next one us run. The companies generally only notified the Credit Agencies monthly and then your file is generally only updated monthly.

I suggest you keep a note of date, time and name of person you spoke with along with brief content of conversation.

If it is not updated, you refer back that and ask to raise a complaint.

Good luck for speedy correction.

It had originally shown up on my file as lloyds tsb and I'm sure it had a p/s status. It had disappeared then all of a sudden after it had passed the 6 years date it shows as a full default and the default date of July 2011.

Just a quick update, phoned my old trustee this morning he told me that the dividend had been sent and the cheque had been cashed by lloyds last year. They had received all relevant information such as date trust deed had been signed and when I had been discharged etc.

Don't know what lloyds are playing at work this whole thing they have assured me it will be updated by next month and should not be on my credit file but just really annoyed the impact this has had on my credit score.

It must be really annoying GrangeLachie.

Sadly creditors failing to do what they're meant to with credit files after insolvencies seems to be a very common theme.