I write in connection with the information registered on my credit files relating to the above loan account.

This account was disputed in November 2009 when you failed to provide a copy of the consumer credit agreement.

There has been no acknowledgement since that date.

Following correspondence from you in October 2011, you were provided with a copy of my letter of 5 November 2009.

During the last 8 years, you have continually marked my credit files with ‘late payment’.

Despite receiving confirmation from yourselves that this account is ‘closed’, you have now marked my credit file with a ‘default’.

Under the regulations issued by the Information Commissioner’s Office at that time, a default should be registered within 3-6mth, given the last monthly payment was made on 20 October 2009.

I demand that you amend my credit files immediately to correctly show the actual defaulted date

Should this remain uncorrected following 14 days from this letter, i will without further notice raise a complaint about you with the Information Commissioner’s Office and also seek financial compensation for your error.

I await hearing from you. "

Thanks dx, I always feel better about sending these type of letters once someone else has cast their eyes over them. I shall deal with it immediately.

8 years!!!! Sigh.....

So, here we are, that bit between Xmas and NY, where we fill our time sorting things out.

I’ve finally had a response from NatWest, outside of the time limit, and it’s their standard “we’re sorry you’re not happy with our service but in order to investigate your complaint we need information...”, i’m sure you know the one.

My question is: do I respond to them, or do I go straight to the ICO now?

ps, they’re still marking my credit file

whats the information etc they want?

Sorry, I only glanced at the letter,

i’d Had one before and thought it was the same

i’ve read it properly and actually,

they’re simply telling me that they will contact me again,

or after 8 weeks,

i can go to the financial ombudsman,

and inviting me to contact them.

They’ve enclosed a ‘complaint handling leaflet.

Should I just wait for them to get back to me within the 4 weeks they’ve said?

That’ll teach me to read my mail properly.

FOS wont really get involved in credit file issues

they'll refer you to the ICO.

i'd carry out your threat

off to the ICO now

Thanks dx, i’ll do it today. Thanks for all your help.

Sorry, quick question:

I’ve just noticed that the letter just received from Natwest is addressed to my maiden name,

despite my being married for 11 years and indeed the letters I have written to them are always signed in my married name.

Could there be any significance?

you should have sent the complaint letter to the ICO day 15

not ONLINE.EITHER

off you got.

dx

Ah! I was going to do it online. I won’t now.

ICO report done just after I last posted, confirmation of receipt given by ICO.

Today, i’ve received a letter from NatWest confirming my complaint is valid, which they will correct within 56 days.

They’re also sending a cheque by separate cover, in the sum of £100.

Thoughts please?

mores the point are you happy with that?

dx

Hmmm, difficult one. I don’t see that it should take 56 days to correct their error, and of course that is additional time on my credit report. They are saying they sent a default notice in November 2011, which is still later than it should have been - I think.

I think £100 is a bit ‘light’ given the length of time they have been trashing my credit status, (it’s the only black mark I have), but it’s better than nothing.

ps. At least they got my name right this time.

then tell them so

NatWest been doing this a lot lately regarding

Credit files

Did you suffer any losses or credit refusal

as a result of their actions

Seems to be some systemic internal failure

Thanks dx, I don’t want to sound ‘greedy’, but the length of time they have been playing with my credit score is excessive.

paltry for 6yrs of 'damage'

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