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Welcome14
Advanced Contributor

52 Posts

Posted - 13 May 2019 :  10:12:11  Show Profile  Reply with Quote
Hi Guys,

My trustdeed became protected on March 2015, Im now discharged

Ive checked my credit report and link financial have a default date for sept 2016? is this legal ? Can you default someone after its been protected ?

Also they show a balance of £200, should this be zero if ive been discharged ?

TDA (Debt Adviser)
Trust Deed Expert



12987 Posts

Posted - 13 May 2019 :  10:32:47  Show Profile  Reply with Quote
Hi Welcome14.

There's a section about Default Notices in this guide:

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

In short:

1 - They should backdate the default notice to no later than when your trust deed began.

2 - There should be no balance owed showing.

You'll need to contact them to request/insist that they make these updates.

Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds    
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David Tannock
Trust Deed Expert



2174 Posts

Posted - 13 May 2019 :  11:58:44  Show Profile  Reply with Quote
Hi Welcome 14,

This happens all the time and normally is resolved once itís pointed out to them.

TDA has provided some good useful information on how to go about getting this resolved.

Is it only Link Financial on your credit report that there is an issue with? Is everything else ok?

Let us know how you get on contacting Link Financial to have it fixed.

Recommended Partner & Trust Deed Expert - Ask me for help setting up a Scottish Trust Deed    
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Welcome14
Advanced Contributor

52 Posts

Posted - 14 May 2019 :  09:55:44  Show Profile  Reply with Quote
Thanks David, I've emailed the Agency that does the changes for them, Let you know how i get on.
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