Surely to register a default there needs to be some sort of credit agreement? A cash card has no credit features on it and no scope to every get any on it .

Hi I have a default on my account from bank of Scotland. I had a account with them for a number or years. A payment came out of my account which I didn't recognise and they refunded me. They then took the money back. Leaving my account in the negative balance. I buried my head in the sand and eventually it defaulted . It turns out the payment I didn't recognise was mine the company just used a different name. I never said this to bank of Scotland I just ignored their letters. My question is, is their default allowed. My bank account was a cash card account which is giving to anyone due to my credit rating . There was no credit facilities available such as overdraft or cheque book. It was simply a basic account to receive and withdraw funds. On that bases I don't think I ever entered Into a credit agreement . The funds owed to bank of Scotland is because of a disputed amount .

Hiya Looking for advice. Amigo loans gave me a guarantor loan when my credit file was extremely low 8-10 defaults. I complained to them about 18 months ago and they issued a final response saying they did nothing wrong. And j didn't take.it further as I.didnt know what to do. I have now been advised I should take my case up with the ombudsmen which I did but have been told it is too late for them as amigo issued their final response 18 months previous . The only way they could investigate if I had a valid reason why I didn't escalate this to them within the valid time line Any ideas what reason i can give

Hiya I don't know.if this is something this forum can help me with. I had a account with ee and for 2 years everything was great. Then I got a hard period in my life and got addicted to gambling which I funded by topping up through my.phone credit through a feature called boku. My phone bill went from £40 a month to £700-1000 . Every month my phone would be disconnected I would phone them.to reconnect a extra few days pay my bill . And then use the phones to deposit another £700-£1000 . This happened for nearly a year . Finally one of their agents realised there was a issue and blocked any 3rd party payments . But due to this I wasn't able to pay my bill and I.was disconnected and contract terminated and a default if £2300 added to my.credit file . I contacted them.at the time to.say I think that was unfair.and they should have spotted there was a issue especially as my phone bill went from £440 a year to around £10k for a single phone line . But they refused to take any responsibility and said it's not up to them to.look for problem gamblers I'm looking to.get the default removed any advice

Hiya Many years ago on this site there was something called default removal templates to send to creditors . In the form of letter one, then a second letter then a third . Sometimes these were successful sometimes not I was just wondering do these things still work

The charge back was for a item of furnature bought that was damaged shop refused to refund money I put a dispute in with the bank who refunded the money until they investigated but then said shop was in the right and released payment . the default on account is registered at wrong address , they admitted they sent it to old address from 2years ago and were at fault, and there was never a credit agreement for the account in believe as it was very basic . They also agreed to remove default but only gave 30days

Hi I have had my halifax account for 13 years. Its a cash card account with no credit facilities available on this type of account. I did a direct debit charge back for £1167 which the bank refunded but then took back and sent to merchant which left my account -£1167 . I never noticed this and they closed my account and placed a default on my account . When checking default I found that they registered it at my old address and sent all letters to that address . I complained and they admitted the mistake and gave a £50 goodwill gesture and said they would remove default if I pay within 30days , I said that I would pay but would need 6 months which they refused and said 30days or default stays surely they must have broke some guidelines here