To cut a long story short I entered a DMP with CCCS in 2000.
I got my finances back in order and on checking my credit file I noticed a default still being registered from RBS.
I asked them for a copy of the original default notice but they could not supply as they are system generated. They did tell me that my Default Notice was served on me on the 1st Feburary 2001. They did not mark my file satisfied until July 2004.
I have written to them twice asking for the DF to be removed as the six year rule has passed. They refuse stating that I went into arrears with my DMP several times in 2001 though I dont understand that as I was paying CCCS a monthly payment and that is why they still wont remove the DF from my file.
Is it not law that a DF is removed after six years wether it is settled, satisfied or default notice issued whichever is earliest.
As my DF was issued on 1st Feb 2001 then it should be removed by now but they seem to be making up the rules as they go along.
I would appreciate any advice on my next step, cheers