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Need Your advice - What to do


rocky2005
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about 3 years ago I had a account with NatWest I lost my job and cancelled all my direct debits but for some reason one of them still attempted to collect and failed which put a £25 charge on my account, few months down the line NatWest sent me a letter saying I’m £150 in debt has they charged me every month for being over drawn plus interest, I never checked my statements has I didn’t think the account had any activity. I closed the account and they continued charging me with the account closed I have settled the debt in full which reached £350. They placed a default on my credit file which I can’t remember them sending me a notification of default.

 

I need that default removed as it’s the only item on my credit report that’s bad

 

What step shall I take now I have read the forum which suggest several different ways of getting the default removed but I though I would share my story so someone could advice me the best path

NatWest - £443 & Default Removal - Settled :D

Nationwide - £620 - Sent Prelim

Littlewoods - £??? & Default - Sent S.A.R - (Subject Access Request)

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Rocky-I think the first step is to tackle to unlawful charges and the default at the same time, which means settlement is on the basis of charges back as well as the default removed as well.

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