stezzle90
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Default issued incorrectly, ruined my credit
in Cooperative Bank
Posted
Hello everyone
I have a default on my credit report, dated the 9th August 2016, after many conversations with the co-op about the issue. I believe the default should not have been issued, and was issued in breach of the consumer credit act. Here's a timeline of events and amounts
In September, I also received 3 more letters (on the 30/08, 07/09 and 23/09) asking me to pay money into the account, even though I already was. When I called the co-op about this, they told me to ignore them.
Then on the 5th November I checked my credit report, and noticed the default. I again called the co-op and was told it was an error, and that it would be removed. I was told the issue was being referred to the Credit Ref. Amendment department of the co-op bank.
My main issue here is that the default was issued before I had any chance to rectify it. I'm pretty sure the consumer credit act says they have to give me chance to repay in a certain period when the notice is sent.
I'm unsure what to do next, I've heard nothing since then, and I was making plans to buy a local business by applying for a business loan, but there's no way that will happen now.
I have been making payments and the current balance is now £1335.
Was I in the wrong here? Can anyone advise me on what to do next please?