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Removing defaults - time to respond


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I have written to the Clydesdale Bank regarding a default lodged on my credit file. After four weeks I received a letter from them saying they need another 4 weeks to investigate, they take all customer complaints seriously blah blah blah. 4 weeks later I got another letter saying exactly the same. Today - I got the same letter. So it is now 12 weeks since my original letter.


The account defaulted in 2005 - was paid in full three months after the late payment. I do not recall any communication from them at all. (My father was seriously ill (subsequently died) and I was spending most of my time at his house 300 miles away and really just didn't find the time to make the payments. These were the only ones not on direct debit - how much do I regret that now)


so question is - is it reasonable for them to take 12 weeks to find the paperwork lodging a default against me? What do I do now?

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  • 7 months later...

OK well you have been patient and I hope you have records showing all those letters and the time you have given them...What did you write tot hem anyway? Did you send the Stat notice not to process or the Surelybonds letter?


Have a read of: http://www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal.html#post187269


and http://www.consumeractiongroup.co.uk/forum/legalities/11659-how-get-your-default.html


That should be a good start mate...


Good luck,




(feel free to click the scales on the left if I said something that helps)

Due to recent issues I have had....

All posts written by me and involving my opinions and written without any legal knowledge are....

Without Prejudice

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