Don't give up
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I had an NRAM default showing as December 2013, made a formal complaint to them as the account showed as 6 months in arrears as at May 2011. I quoted the principles of the Information Commissioner's Office guidance about when a default should be registered and they upheld my complaint. The default date was changed to May 2011 and has therefore now been removed from my credit file. The whole process only took 3 weeks. I hope this helps.
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