@mbna MBNA unfairadvice PLEASE!

[mati]

I held a credit card with MBNA for 10 years and never defauted.

 

The last few years I did not use it at all and there was £12 credit on the account.

Last November, during a time of great personal stress, I accidentally paid something with the card instead of my debit card and never knew I had done this till recently.

 

I did not receive any letters from MBNA as I had overlooked telling them a change of address because of not using the card for so long - I had forgotten all about it.

I know this is very stupid and irresponsible and it is the very first time (I am 61) I have ever done anything like this but I was in such a stressed state. My credit history has been spotless.

 

As soon as I knew I paid it in full - £189. It is reported on Experian that I defaulted (and it is settled)

but I think I have been treated unfairly as it is the first time I have ever not paid and think it should be a late payment and not a default.

In fact it gives creditors a false impression of me as I have been a good risk and there has been nothing ever negative on me.

 

I am thinking of asking MBNA to remove it on the grounds that it is unfair and if they wont, asking Experian to do so.

I dont want to put a correction note on as I have heard it is not a good idea.

Can anyone advice on how to write the letter and what to do if I get nowhere?

 

Many thanks for any help.

I am so upset to have this bad record.

Edited January 25, 2012 by mati
sp

[dx100uk]

if the late payment marker was registered for 6mts

t will auto changed into a 'D' or '8' = default.

 

it that what happened?

 

dx

[mati]

Yes it is registed as 8

[dx100uk]

then MBNA would not have done this

 

all they have done is registered the late payment marker for XX months

[how many months was it 'behind'?]

 

if 6 of these are sent, then the cra system automatically changed to '8' - default status

 

have a read of the numbers explaination

its written there.

 

dx