Stoneyboycool Vs Abbey Defaults

[stoneyboycool]

Abbey National have put defaults against me, when the problem was really their fault!!!

Can any1 help……I’ll try to keep it short.

4 years ago, Abbey mistakenly credited my account with £30,000, of which I spent around £2500 (I know it was crazy but I was only 17). When they noticed the mistake they took the money back out of my account which left me £2,500 overdrawn. I managed to pay it back to just under £1,800. They started to threaten me with legal proceedins so I had to seek help from relatives. I put cheque in for £1800 from my grandpa to clear the debt. Once I had cleared, I closed the account and withdrew the outstanding credit of about £40. No problem. Heard nothing else from them and thought the account was closed and I was done with them.

After getting refused for a few credit cards recently, I got a copy of my credit file from Experian which said I owed Abbey £150. Had no idea what for and went to my local branch. They told me that when I closed my account, it hadn’t actually been closed coz there was interest to be added on from being overdrawn before I paid in the cheque. The interest was about 10p, which then built with cahrges and interest over the next 2 years. I argued with them for a while with no success and was told to phone the complaints dept. When I did, they were adamant I had received statements from them every month (which I hadn’t). I was on hold for 10 mins and the girl finally agreed I hadn’t had statements and that they would take away all the charges and interest and close my account.

Thought that was fine, but they didn’t remove the defaults. Now I realise how bad defaults are on your credit file and want to get them removed. Tried phoning them, with no success as they now say I was receiving statements.

They say they will only deal with it if I send it in writing.

How should I go about it????

Can i threaten leagal proceeding or just ask nicely????

Any advice would be appreciated as this is turning into a nightmare. I’m looking for my first house but am worried I won’t get a mortgage!!!!!

[buzby]

Since they agreed you had a valid claim (no statements or correspondence) they'd be hard pressed to say that the Default they issued should not also be removed, especially since you cleared the principal debt.

Before conteplating court action, I'd suggest you WRITE to the Custoemr Compaint's department, nohing that they had cleared the outstanding debit balance, but advising you have subsequently discovered their defaut - placed on your account as a result of these refunded charges, has not been removed. Under the circumstances , you want their assurance that this adverse data be removed immediately from your credit file, and you require written confirmation when this is done.

If they don't, you can then move onto Phase 2...!