Thanks doo - it certainly felt like the right thing but wasn't sure if they'd say they couldn't be held responsible for work of other departments. Regards Holly Golightly

Hello everyone! First post but signed up a month ago and with the moral support of this site, I'm going after £6431 naStYwest Bank has taken from me in the last 6 years (so thanks all - this really does make a positive difference). I used to have a Natwest credit card too - charges totalling under £1000 (I think) - defaulted at £5700 in late 2004 and paid it off by end of 2005. I'm now told I have credit scoring issues because of a 'delinquency' and 'write off' by my lovely new bank manager at my lovely new bank (they offered to let me pay £5000 without explaining the impact of this and I stupidly thought they were being nice to me because I was making the effort!). I have two queries re the removal of the default - if anyone can give me a bit of help before I start on this action, I'd really appreciate it: 1. If I reclaim the charges using the template and they don't remove the default, can I then use the 'technical' route (no receipt of official default notice)? Or should I choose one option and stick to it? 2. Can I use the bank account charges as a reason why the credit card defaulted - i.e. merge the two together with reference to the credit card default to show that Natwest as an entity created the situation I found myself in? Please help if you can - I've worked so hard to get back in the black and I'm on a mission re Natwest these days after some incredibly insulting comments from my bank manager - but that's another story! Many thanks, Holly.