#RBS : Default Advice Please!

[Kalenn]

Hi,

 

I would be really grateful if someone could advise on an aspect of the process of a bank applying a default to my credit file please.

 

I was made redundant in March 2009 and did not gain employment again until August 2009. I missed my monthly payments on my unsecured loan between May and August, when I entered into an agreement to repay again (including a little extra to pay off the arrears). I was, however, in constant contact with them throughout the entire time. I had never, in my life, made even a late payment to anyone before this time!

 

I ran my credit report on 7th December 2009 and the enties showed 5,5,5,5,4,3,2,1,0,0,0,0. I had, at this point, been paying them again since August (4 months payments). The report showed that it had been updated on 22nd November 2009.

 

However, I ran the report again on 28th December 2009 (which had a report date of 3rd january 2010) and it now listed the entry as an '8' which means that a default had been applied! It said that the default date was 13th November 2009, which was 4 months after I had been making repayments and was listed with a date that was earlier than the report date that I ran on the previous occasion! I have copies of both these reports.

 

I have never received any notice of a default being applied at any time. I do have 2 Notice of Sums in Arrears dated 16th November 2009 and 12th May 2010. As far as I am aware, these are only issued before a default has been applied. Am I correct in thinking this?

 

Anyway, sorry about the long post, but does anyone have any advice as to what I should do to tackle them about this, as I do not think the default should have been applied in the first place, please? At this time, I have been maintaining consistent payments again for 19 months, including the extra amounts to pay off the arrears.

 

Thanks so much in advance of your help.