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I succcessfully claimed back about £5000 from A&L last year for penalty charges, I agreed settlement with them the day before it was due to go to court. I've just noticed (and not sure why I've only just noticed as have been checking my credit files regularly) that they have put a default on my credit file even though the account is 'satisfied'

I realise that this should now have been part of the agreement but they hadn't defaulted me at this point, do I send them the standard defult removal notice first or issue a s10 notice??

Any help gratefully appreciated.

Thanks

pinky

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  • 1 month later...

It wont do any harm to try the standard s10 notice in the first instance, PA. :) See what their reply is and take it from there.

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That sounds like a plan to me. Start to get heavy if they come back with a load of rubbish. Which unfortunately most of them do............. :rolleyes:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Well I've tried a 'niceish' letter to start with but making it clear it will be taken further, they will know I mean business as I took them to court for my charges so not afraid of that.

Interesting though that all 3 credit reference agencies say different things - it's defaulted on Experian (surprise surprise!) but shows as settled and £0 balance on Equifax, not even a sign of a default!! How is that right??

:p

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