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Salvaging my UK credit record


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I am originally from the US, but studied in the UK in the period Oct 2004-2005. When in the UK I had a Natwest student checking and savings account, and a Natwest credit card.


I left the UK in Oct 2005 after graduating (my student visa expired). Month prior to leaving the UK I did not perform any charges on my Mastercard. I collected my last statement with a zero balance on the Natwest Mastercard. I took the Mastercard with me when I left the UK, along with all the statements.


It seems that in January, 2006 there was an unauthorized transaction on my account (debit) to the credit card. Given that I left the UK, the statements went to my old dorm room. At the time of leaving the UK, I did not change my address because I was traveling to 3rd world countries.


I recently mailed a letter to Natwest Mastercard requesting my account be closed. I followed up with another letter, and after 3 weeks, I called. They told me that the charge was performed in January, 2006, I told them it was not authorized. The lady spoke with her supervisor who then waived the charges and closed my account.


I asked her about the credit record, she said they will remove the default and mail me a confirmation letter.


Given I carried this balance - of 56 pounds, for over two years and the default, my UK credit record - if anything like the US one, is probably shot. The problem is that I may return to work in the UK next year, and this will cause great difficulty living without a credit record (no credit card, mobile phone, etc).


Is there anything I can do to salve my account? The fact that the charge was unauthorized and that Natwest will send me a letter confirming this, can I forward this to the respective credit reporting agencies?


Any help on this matter is appreciated!


Kind regards.

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If they have agreed to remove the default, then they should remove it - in which case your record will be unaffected. It's worth actually checking your credit record, though.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.


I am not a qualified or practicing lawyer.

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