Hi everybody my first time in using this forum
I have a problem with a well known high st bank that I had a credit card with some years ago,due to getting myself into financial difficulty I went to all my lenders and negotiated a repayment plan with all lenders.
After paying all lenders I found out a year later that a certain bank had placed a default notice on my credit score even though the account was settled.
I asked the bank to explain why as the payments had been adhered to and there response after many visits to the bank and telephone calls that they could not remove it.
I then contacted the Financial Ombudsman and there findings were that it was incorrectly applied and should have been applied by the bank a year earlier but this was not the case and there recommendation was that it should be reapplied at the earlier date!
Can a incorrect default notice be left to stand and can they re apply it?
The reason the financial ombudsman said it should be back dated is that it should show a true reflection of my account but due to them putting me on a repayment plan and my payments didn't meet the minimum percentage of what they needed but this was also not explained to me.
They now even refuse to speak to me or enter in any form of correspondence what can I do
regards
Jon
