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Removing a default on your credit file using Section 78

polg79
Posts: 4 Newbie
in Credit cards
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
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
Removing a default notice on credit file using section 78 1 vote
Does the process actually work?
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How many pepole have been successful using section 78 to remove a default?
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Comments
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You need to use the data protection act seeking proof that you agreed for your data to be shared with credit reference agencies.Cashback Earned ¦ Nectar Points £68 ¦ Natoinwide Select £62 ¦ Aqua Reward £100 ¦ Amex Platinum £48
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