Hi lilone.

Each of your accounts should be issued with a single formal default notice, dated no later than the start of your trust deed beginning.

You're looking at the monthly "status reporting" but that should be irrelevant in the end.

Six years after the date that a default notice was issued, the account will no longer appear on your credit report.

There's a fuller section about this at the following page:

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

Should i contact them or is this irrelevant ? Thanks for quick response

Hi lilone.

The only reason I can see to contact the creditors is if they have issued the formal default notice significantly after your trust deed began.

You'd want them to backdate that if this was the case.

as long as your default date is the same as the date of your PTD, they will all come off at the same time (6 years from the date of first notice/signing pf PTD).

The accounts should be marked as settled or partially satisfied however, so look out for that and ask them to update accordingly. You might have to send them copies of your form 5 as proof etc but should be done quickly.

have a look at the ICO site https://ico.org.uk/your-data-matters/credit/

Thanks for sharing this pingpong.

Lilone - with regards to the defaults being marked satisfied or partially satisfied - this will not happen until after you have been discharged.