Defaulters disappear & suddenly replaced by new Defaulters?

If they have paid up then they will be closed, you should still be able to see them in the "all time" file probably marked as closed now. Hopefully you have a number of CSV's, I take them every month for my own stats etc, so you should be able to see the previous months defaults and then taking the new file just check them by borrower name in excel, assuming you have both files and also excel, although you could use any number of methods without excel as long as you have the all time files csv files.

Just a thought.

PS: maybe zopas data runs have failed, there were a number of data formatting discrepancies in the whole book (altfi data) reports a few months back when zopa was still deciding on output types etc. They fixed the ones I spotted but that was the altfi data rather than personal data.

Does seem a hell of a coincidence for your data.

edit: just checked my all_time file from last week and yes defaulted dates do remain in safeguarded defaults even when they are closed. What you should be doing, assuming you know how to in excel is filtering out all defaults in sg as they are irrelevant at present. You can do this by filtering on the safeguard column removing all true states so you only see defaults that are relevant to true losses.