Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
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Hi all
I am new to the site and hope someone out there can help. I was having charge upon charge added to my current account with the Ulster Bank ans was forever disputing them. I decided to open a new account with another bank and brought my Ulster Bank account under its £250 overdraft and was going to pay it off then close the account. Ulster Bank then proceeded to add more charges to the account and I refused to pay them. My account balance rose to -£500 due to these charges.:cry: After speaking to the debt management dept in the bank they have now removed these charges and I am paying off the overdraft of £250.
The problem I now have is after checking credit expert Ulster Bank have added a default to my file. What should my next step be to have this removed as it is severley affecting my ability to get credit.
15th December 2009 UPDATE
As I have had no replies from u guys i assume u r thinking search the site and you will find all you need ! As I am not the most eloquent All I was hoping for is an example of a initial complaint letter to send to my bank stating that since the amount was in dispute that they were breaching the Banking Code. PLEASE HELP IF YOU CAN I WILL APPRECIATE IT.
16Th December 2009
Had a call from recoverys clerk who informed there was no notes on my file to say that I disputed these charges.I didnt know or wasnt wise enough to put this in writing at the time but I had numerous telephone conversations with bank personnel disputing the charges. She also informed me that the charges hadnt been removed but would be wrote off when I had paid off the £250 overdraft and my credit file would then read partally satisfied.Lost for the next step now any ideas ??????????????????
you would need to contact the bank and get them to remove the default, also if you did not recieve a default notice then they shoild not have listed one against you
also write to the CRA and put a notice of dispute against the entry
PGH7447
Getting There Slowly
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Advice is given freely but is in no way meant to be taken as Gospel
I have contacted the bank by phone as I have said above but because they have said they have no record of dispute by mail (even though I disputed it by phone on many occasions ) when the default was issued they are refusing to remove the default.
Ulster Bank Hell
and was going to pay it off then close the account. Ulster Bank then proceeded to add more charges to the account and I refused to pay them. My account balance rose to -£500 due to these charges.:cry: After speaking to the debt management
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