Nat West Credit Card Default Removal

[hybrid_snyper]

Hi again,

 

I have taken it upon my self to try and have a default removed from a 4 year old satisfied Nat West credit card account I had during my student days. This card Defaulted.

 

I began by sending the letter that can be found at www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal.html?highlight=default

 

I have received a reply and I am unsure on how to proceed. I have copied the reply below.

 

Dear Mr XXXXXXX

 

Re Account: ###########

 

Thank you for your letter dated 18th June 2008 and subsequent telephone call providing me with additional information so I could locate the account to which you refer to.

 

We consider that our processing of your personal data is fair, lawful and warranted in the circumstances. details of these procedures were contained in the credit agreement/application form you would have signed in October 2000 when you applied for the card (after which the credit card was issued to you) and amended versions that accompanied subsequent Notice of Variations (which will have been sent to you when your card was in use and you didn't, at any time, signify your refusal to consent by repaying the debt and terminating the agreement within the required time), and have been notified to the information Commissioners’ Office.

 

We are satisfied that information of your account was properly notified to the Credit Reference Agencies and you would have received the appropriate Data Protection Act notifications on the reporting of defaults and therefore will not be removing the information as requested.

 

I would inform you that, given the processing of your personal data was consented to by you (in the way described above), you cannot retrospectively withdraw that consent after the processing has been carried out. We do not accept your notice under Section 10 of the Data Protection Act 1998 and do not intend to comply with it.

 

If you disagree, you have the right to apply to the court to have inaccurate personal data rectified, blocked, erased, or destroyed. Further information is available from the Information Commissioners’ Office website.

 

I trust the above clarifies matters for you.

 

Yours sincerely

 

Miss Nat West lady

 

Team manager

Credit Reference Agency Enquiries

 

I can't help this letter is nothing but waffle to confuse me and make me feel as though I am in the wrong.

 

Just for the sake of completeness below or the entries for my call credit and equifax credit files. The information contained in the call credit file is very confusing.

 

CALL CREDIT

 

Lender name: National Westminster Credit Card

Account holder name: ###########

Address: ##################

Date of birth: ############

Accountholder status: Normal

Start date: 1st September 2003

End Date: 7th March 2004

Account type: Credit card

Account status: Default

Last updated: 1st March 2004

Current balance: £0

Opening balance: £382

Account start date: 31st October 2000

Account end date: 7th March 2004

Repayment frequency: Monthly

Lump payment: £0

Default date: 9th September 2003

Original default balance: £382

Term balance: £0

Default satisfied date: 1st February 2004

EQUIFAX

 

 

Recorded at: ################

Account holder name: ##############

Date of birth: ###############

Company type: Bank

Account type: Credit Card

Last updated: 3rd March 2004

Current balance: Account closed on 09/09/2003

Credit limit: Not Applicable

Opening balance: £0.00

Account start date: 31st October 2000

Regular payment amount: Not Applicable

Number of repayments: Not Applicable

Repayment frequency: Monthly

Worst Status: Default

Once again thank you for assistance in this matter.

 

Keep up the good work everyone.

 

HS

Edited July 3, 2008 by hybrid_snyper
Wrong forum

[slick132]

Hi Hy,

 

This isn't my strong point but I was passing and saw no one talking to you.

 

On what grounds do you seek default removal - your a/c WAS in default, you cleared the debt and your credit record reflects this.