Removing a default on your credit file using Section 78

polg79

Hi there,

I wonder if anyone can help? I am trying very hard to remove a default notice on my credit file which is preventing me from getting a mortgage. I do not remember receiveing a default notice so I have written to the bank using Section 78 as a means of them to send me evidence that this notice was ever supplied.

I received a letter back from the bank stating that "Section 78 only applies during the lifetime of the agreement and as the account has been closed there is no longer a regulated agreement between ourselves."

Can anyone advise the next steps as I think this is a clear fob off! Should I use The Freedom of Information Act and request this information again? Or is there another solution?

Help!

Thanks in advance

Pol

izools

You need to use the data protection act seeking proof that you agreed for your data to be shared with credit reference agencies.