Default Notice from Abbey

wwwtom

Hi All,

I'm new to the forums, but i just wanted so say I'm so greatful for any advice anyone can give.

I've posted this same post in the Debt Free Wannabe forum, but I've kindly been pointed in this helpful direction

I've recently started trying to remove a default notice placed on my credit file by Abbey for a personal loan.

According to my credit file, the account was marked as default on 05/01/2007.

To cut a long story short, I went through a bit of a bad patch with my money, without the help of my family i would still be in that situation.

Now my finances are in order, and have been since the begining of 2007 (when this all started).

I ordered my credit file from Experian (which i now check regularly) and Abbey had placed the default notice and also "Satisfied" on the entry for the loan.

I must state at this point, I have never recieved any default notice or letter from Abbey to that point.

I then started to follow the LearnMoney site (How to Possibly Remove a Default Notice) and here is what has happend so far:

30/01/2009
Letter 1 sent to Abbey asking for them to send me, £1 PO included
1) The original credit agreement
2) The original default notice
3) The original deeds if the debt had been sold on

20/01/2009
Abbey reply with a letter, the letter also included a copy of the credit agreement and a photocopy of my bank statement. They did not send a copy of the default notice

20/01/2009
Letter 2 sent to Abbey stating that they had not answered all the questions from Letter 1, asked for them to answer all questions, £1 PO included again

06/03/2009
Abbey reply with a letter, exactly the same as the previous reply, containing exactly the same credit agreement and bank statement.

08/05/2009
Letter 3 sent to Abbey, giving them 7 days to send the requested information, failing which would result in me escalating the issue to the relavent authorities.

18/05/2009
I have not recieved any reply and the default notice still remains (I've just got a copy of my latest Credit file) which brings me here.

As of today, I have not received any reply from Abbey from my last letter,
What would be the best way of pursuing this issue and escalating it to the right places?

As I have said, I'm so greatful for any help or advice anyone can offer,

Thank you,

Tom