Citibank refunded but left with default

[Chris__]

Your advice would be appreciated on this one...

 

Citibank recently refunded my penalty charges in full and very quickly, however on checking my credit file I now find that they placed a default against my name at the time the charges were incurred. The account was placed in default because it was £85.00 over the agreed overdraft limit at the time. Subsequently, Citibank have refunded £275.00 in unfair charges. The default shows as being settled as the full overdrawn amount was repaid and cleared 2 years ago.

 

Can I now ask for this default to be removed to restore my credit status and if so how do I go about this??

 

Thanks

[steven4064]

Hi Chris

 

Did you ask them to remove the default as part of the claim?

 

Steven

 

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[Chris__]

Hi Steven,

 

Unfortunately I did not know it was there when making the claim. It was only after being turned down recently on an relatively small finance deal that it came up even though in the meantime (nearly four years) I have opened a new bank account, credit card and had a personal loan all without any problem. I have written to Citibank and spoken to Experian who have also said that they will write to Citibank asking for the default to be removed. Fingers crossed!

[steven4064]

It might be worth writing to Experian as well to record your conversation - these organisations have no short-term memory!