Default from Bank Charges after claiming them back!! Help!!

[loristar]

Hi Everybody!!

After successfully claiming back £2300 in Bank charges from Natwest last year, i have checked my credit report and realised that while i was claiming them back, the bank was still charging me and subsequently put a default on my credit report for it. I have never claimed those charges back, only up to the point before then when i put in my claim.The account is now closed also.

Can anybody point me in the right direction of a useful thread.. or does anybody have any advice at how i should go about getting the default removed?:???:

 

Thankyou!!!

 

Lori.x:D

[Hopeful1]

Hi ya Loristar.

 

Firstly well done on a such a big win

 

Have a look at this thread if you haven't already:

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/149403-would-you-like-clean.html

[loristar]

Hey Hopeful1,

 

The big win was a hard slog.. but i got there in the end!!

Thankyou for the thread! I have sent out the letter to put the credit ref agency on notice. So we'll see what they reply back with!!.. no doub it will be a letter fobbing me off, but we'll see!

My only query is that, because they were still charging me after i started claiming, i could only put down so many charges up until the point that i gave the final charge amount to the court, so all the charges after that have never been claimed back. Hense would that mean that the latter charges i hadnt claimed for, would not be in dispute and so would be ok for them to issue me with a default?

Sorry if thats sounds soooooooo confusing!!.. but i just want to make sure!

 

Lori.x

[Hopeful1]

My assumption - and what that's worth i've no idea! - would be that you would be entitled to make another claim! They have defaulted you on an amount made up of unlawful charges haven't they?

 

[loristar]

I'm sure i can make another claim.. but would i need to make another claim to get the default removed? I would do it, but its such a long process to do the charges which will take 4 months to get my money back and the amounts not that high, then to do the default after which could take several months would make it a very long process. I never really realised how much damage 1 default could do on your credit profile!! Which is why id rather get rid of that 1st, then deal with the charges after.

 

Lori.x:D

[foolishgirl]

When I was in a similar postion I wrote to the bank pointing out that they had already paid out my claim to xxxxx date & that since that date, despite the account being in dispute, they had continued to add charges & interest & that I was now submitting a claim for the full amount accrued; also demanding removal of defaults as the true status of my account had been misrepresented to the CRAs. It took some time & several letters to the complaints dept. but eventually they succumbed.

 

Of course all claims have now been stayed so not sure how you would fare.

[loristar]

Ok!!

I'll give i a go and see what they say. I'll try claiming back he charges and removing the default at the same time and see what they say. I'll keep you posted hun!

 

Thankyou!!

 

L.x