Help with Debanhams

[Robertxc]

You'll only get the default removed if the amount of the unlawful charges was greater then the amount stated as being in default. They simply won't agree to remove it otherwise because by law they're required to give a 'true' picture of your borrowing history.

 

What you can insist on is that they amend it to show how your credit file would have looked without the charges. Strange though it may seem, getting your bank to refund your money is actually quite a bit easier than getting them to amend your credit file. They're simply not used to people demanding this, and so it is quite a new experience for them. You will need to be absolutely clear on the exact sequence of events so that you can show definitively what your credit file should look like. Once you are clear on this, you need to add the amendment of your credit file to your claim for charges back. This means that if they want to settle out of court they will have to deal with your credit file as well. Editing your credit file is very easy for them, because they have unlimited electronic access to it.

[Robertxc]

In that case you can probably expect them to amend your file to say you were in Default for £60. In this case I would add a note to your file with some sort of expalanation saying it was an oversight. If you attach a note to your file anyone doing a credit search on you will be required to do it manually instead of by computer, so they'll see your note and hopefully disregard the default because it is for such a small amount.

[Robertxc]

...but your letter talks about a 'default'.

[Robertxc]

Sorry that was my mistake. I only have late payment marks on my credit history.

 

S000000005466654323210000000

 

S= Settled (17.07.2004)

 

 

There must be a way to remove these, when reclaiming for bank charges!!!??

I see. If you want the bank to remove these, then you have to provide an updated statement showing how your account would have looked without the bank charges. The'll only alter it if you can prove that what it says is factually incorrect. You won't get them to 'remove' anything, all they'll do is amend it to show the true situation. So, you find that some of the numbers change. Actually, looking at this record, I wouldn't be overly concerned. It was two years ago, and as you say, there isn't actually a default on it. There are far worse credit files than this out there!

[Robertxc]

To be honest I dont even care about the bank charges, I just want the account removed.

 

What should I do now??

 

If I reclaim the bank charges what will happen to my credit history???

Nothing, unless you do as i suggest in my earlier post.

[Robertxc]

Why can I just send them a Preliminary approach for repayment letter? I really dont understand.

 

No one else has done what your saying.

 

What I see is that you go,

 

DPA for statements

Preliminary approach for repayment

LBA (Start MCOL)

 

Then court.

Yes, but not everyone else is concerned about their credit file. If you want them to clean it up you need to include it in your claim, otherwise they have no incentive to do it.

[Robertxc]

Thanks I understand now! you are very helpful!

 

 

 

 

My account would have looked like this if there wasnt any bank charges ( S00000000000000000000000000) Do I just write that?

Yes, but you need to provide evidence to back it up. You need to be able to explain exactly why it should look like that.