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Had a Default notice sent on 22 Feb, arrears of £75 and over credit limit £152.83, balance owing at this date was £1202. At this time I had lodged a claim for the return of their penalty charges and so the balance owing was clearly in dispute.
I got refunded £950 in credit card charges just a few days ago, so balance owed on card dropped to just £250, this I then paid off in full several days later.
So, now they have:
1) terminated my account, which is one thing as surely they should not have closed my account as a retalitory measure to my complaining about charges;
2) they've also gone ahead and recorded the default on my credit file - even though most of the sum owed was made up of charges that have now been repaid.
3) wouldn't the default notice itself become invalid as soon as they've repaid the charges, seeing as it no longer reflected the true amount owed?;
4) am I right in thinking they should not have gone ahead in any case chasing me for any sum owed, and sending the default notice, whilst that sum was clearly in dispute?
They incredulously claim that "the full balance was never in dispute" and "we required a minimum monthly payment on the account" and they refuse to remove the default, they refuse to treat it as a 'normal' closed account, only a default now showing 'settled' alongside it. This is outrageous. What do you lot reckon is the quickest way to remove these days - court or Ombudsman?
I got refunded £950 in credit card charges just a few days ago, so balance owed on card dropped to just £250, this I then paid off in full several days later.
So, now they have:
1) terminated my account, which is one thing as surely they should not have closed my account as a retalitory measure to my complaining about charges;
2) they've also gone ahead and recorded the default on my credit file - even though most of the sum owed was made up of charges that have now been repaid.
3) wouldn't the default notice itself become invalid as soon as they've repaid the charges, seeing as it no longer reflected the true amount owed?;
4) am I right in thinking they should not have gone ahead in any case chasing me for any sum owed, and sending the default notice, whilst that sum was clearly in dispute?
They incredulously claim that "the full balance was never in dispute" and "we required a minimum monthly payment on the account" and they refuse to remove the default, they refuse to treat it as a 'normal' closed account, only a default now showing 'settled' alongside it. This is outrageous. What do you lot reckon is the quickest way to remove these days - court or Ombudsman?
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