Lloyds TSB Wrongly Put Default

[dazdubai]

Afternoon All

 

I have a default that was put on my account with Lloyds TSB, which I was never informed of and have recently wrote with the removing of this, and still getting no joy.

 

Who else can I write to and tell that the default was put on wrongly and how do i get it removed.

 

Thanks for advice in advanced

 

Daz

[BRIGADIER2JCS]

Please give us some details a to why you

believe the default is wrong.

The CRAs cannot amend or remove entries

from the files without the consent of the company

that placed the entry.

You can place a notice of dispute on the credit files.

 

You will have to write to Lloyds TSBs' Data Controller

stating clearly why you believe the entry is wrong, if

you are not satisfied with their response you can then

complain to the ICO.

[dazdubai]

The default was put on incorrectly because my account was in dispute, and then i got a default and i only fount out after checking my credit file, this is affecting my credit rating and the issue was not paying the overdraft, the issue was the charges they was putting on and other stuff going on with the account.

[BRIGADIER2JCS]

The default was put on incorrectly because my account was in dispute, and then i got a default and i only fount out after checking my credit file, this is affecting my credit rating and the issue was not paying the overdraft, the issue was the charges they was putting on and other stuff going on with the account.

You need to go through the route I have suggested, there is no other

route for this.

[dazdubai]

Below i have scanned attachted letter i got from lloyds

 

I did not receive a enforcement letter on 3 August 2009 nor did i receieve a solicitors letter on 21 August 2009.

 

Also why did it take them 2 years to put default on my account, which i did not realise they had put on.

 

I still am going to pursue in getting this removed and with compensation to regards and destroying my credit rating.

 

Any help would be appreciated

 

Thanks

 

Dazdubai

Lloyds Letter 29-06-2012.pdf

[BRIGADIER2JCS]

Ok as said brfore you have made a complaint to

the bank and you are unhappy with their respnse.

 

Your next route is a complaint to the ICO.

Did you at any time request copies of the

letters allegedly sent, or make a SAR.