Credit File

[Ronaldo2k]

Hi guys,

I am currently taking Court Action vs Woolwhich and I have been put on hold till the test case.

However, I applied for a Loan last week and got rejected. When my credit file arrived, I found that I have a default with Woolwich.

I need to get this removed but the Guys on the phone were about as helpful as a piece of Wood.

Can anyone offer advice? Im aiming to get this resolved ASAP.

Regards

[Struggling_Simon]

Not much to go on here.
Have you rec'd a default notice ever? Who registered the default?When?

[Ronaldo2k]

Never received a default notice.

I sent a letter via recorded to Woolwich saying I want to close my account.

I didnt hear anything for four months then I was sent a letter saying that I owe £184 in charges.

Visited the bank, told them I had sent it recorded etc. To cut a long story short, I paid the £184 and closed the account.

When I acquired a copy of my credit file, I have a level 8 status which means I have defaulted the account and it has been terminated by Woolwich.

I have sent a letter to Barclays Head office with my letter a copy of my Credit file. Just waiting to hear back now.

[Struggling_Simon]

In that case, you should read the Default Removal thread by CurlyBen. The creditor is obliged to send you a default notice (under the CCA74 act) before registering a default on your credit file.

There may be contraindications in the T&C's of your contract, so go through them carefully before starting.

CurlyBens method uses S10 & S12 of Data Protection, as under Data Protection Act the data the creditor shares with third parties must be accurate...If the default includes penalty charges they cannot be accurate.

Something to contemplate anyway.