natwest defaulted o/d from 2007 can it be challenged now under bcobs..

[jamesbond]

i challenged the natwest about bank charges in 2006 on a current account with a £500 o/d facility.

 

at the time it was about £200,

so the account lay dormant whilst this was challenged by me and the whole lot was put on hold.

 

.then natwest continued to apply charges to the account and defaulted it with an outstanding amount of over £1800..

.bearing in mind the account was dormant from just under £500 o/d and i was continually challenging both the bank and all the silly collectors it employs .

.72 letters in total and god knows how many complaints about everything,

in the end they said will not collect and will close the account.

 

.i presumed they would delete the default but instead they marked it as satisfied.

.i never checked as i presumed they had removed the default and markers..

. it is is due off in december next year.

 

since i have discovered the info on a recent credit check i wish to challenge the default and wonder if i can challenge it under bcobs

as the default was before 2009, but the info is still on now so surely i can use bcobs to challenge it right?

[dx100uk]

BCOBS is from 2009

 

 

dx

[jamesbond]

yes i agree..but isnt the fact that the information they provide to credit agencies is renewed in present time so surely this will make it covered under bcobs as it is information provided now?

look at this post it dates from 2007 and he used bcobs on that i believe?

http://www.consumeractiongroup.co.uk/forum/showthread.php?356039-Natwest-I-got-a-resolution!-Thank-you-BCOBs

please correct me if i am wrong

Edited September 6, 2012 by jamesbond