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

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.

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.

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 ??????????????????

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. Lost for the next step now any ideas ??????????????????