Getting Default Removed??

[Moustacheman]

Hello all, hopefully you can assist me.

 

I am in the latter stages of a claim with Natwest (I have received AQ from the court and a 50% offer, so should hopefully receive a full offer in the next week or so)

 

Natwest defaulted my account approximately 9 months ago due to me not being able to repay my overdraft (£1,100.00). In the letters that I have sent the bank regarding my claim, I have included the removal of the default notice as part of the claim. (Total claim value £3,146.00).

 

If I get a full offer soon then how do I play this?

 

Do i refuse it unless they remove the default or do I accept and then chase the removal of the defualt as a separate thing?

 

Do I even have the right to request the removal of the default?

 

I have 2 other defaults on my credit record, Natwest Credit Card and Barclayard and I'm going through the same process of reclaiming my charges however these are in the early stages.

 

If you can advise it would be greatly apprieciated.

 

Thanks in advance

 

Moustacheman

[Glenn UK]

If i understand you correctly the removal of the default was not mentioned in your claim at court?

 

if you haven't mentioned it on your claim from you cannot insist on it being removed unless you revise your claim i believe.

 

I am not certain if you can revise claims at this (AQ) stage.

 

Basically if they offer to settle your claim as per the Particulars of claim without conditions then i don't believe you can refuse their offer.

 

So in effect if you haven't put this on your claim then you cannot without amending the submitted claim, insist on the removals of the default.

 

If this is the case give the court a ring and see what they say, if they do let you amend it i believe it will cost a £35 and need the courts permission.

 

If i have this wrong id be pleased to know.

 

JMHO

 

Glenn

 

If y