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. 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

Thanks for the reply !!!!

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.

presumably this bank records calls for triaing and management purposes?

so send a sar for all phone transcripts between you and them

and still send a disptue note to the cra

Thanks again for your advice. Do they have to give me phone transcripts as well as all data ? I think this is where I will start.

yes they do as long as you state it in your sar request

Cool I think if these conversations appear then I will go down the route of the bank has broken its pledge to the banking code,

Many Thanks PGH447

A true gentleman and scolar