Derogatory remark

[NiallMac]

Hello, I have a derogatory remark on my credit report because of a dispute that I had with you 2 years ago. While I maintain that I was in the right, I settled the amount outstanding. The now settled disputed amount was in the region of £100, but it seems that I will be unable to get a mortgage for 6 years because of it. I spent hours and days trying to solve this in the past and never got anywhere, your agents had me in tears at certain stages. I wonder if there is some way that as a gesture of goodwill you could see about removing it. I have tried messaging vie twitter and facebook as suggested but no one is replying

[AnnS]

Unless the default was placed in error @NiallMac quite sure it's a legal obligation and the default is there as a forewarning to other credits.  As you have settled, it should be marked as satisfied and that is something that should be taken into account when applying for your mortgage, although you may need to go through a mortgage broker.

The golden rule in any dispute is to settle and sort it out afterward, when you withheld payment, you would have immediately put yourself in the wrong and in default, you would have been able to raise this with complaints and CISAS for arbitration.

As you have sent a message to the Social Team, they will respond, but being a weekend, it will take a little longer.

[NiallMac]

Hi Ann thanks for your reply, as I stated in the first and second line of my post I have always maintained that I was in the right in this dispute and that therefore the default IS in error. I have never received a satisfactory resolution to my complaint regarding the original dispute. I WAS given a verbal assurance (hopefully on recording somewhere) that if I settled then this would not occur. I did settle. You're right, they do take a while to reply,  I'm in an escalation process now with the facebook and twitter coms people, I've had six or seven different people pass the buck so far today alone. I'll persevere.

[hrym]

The Social Media team will be able to escalate this to Credit File Support.   They will have access to the full history and will also make the final decision.