Default for going over CC limit

jermaindefoe

Hi, i went over my credit card limit a month or two ago. This was because i was using my cc excessively while natwest were sorting out a replacement bank card for my normal student account (which they took ages doing). I went over by ~£70 - normally i dont use it for anything other than petrol which i pay back every month to show i can borrow and repay

Anyway, i noticed the £12 charge and phoned them up saying this is totally unfair, its clear i have more than a couple of grand in my student account which i cant use - its not as it i dont have the money to pay it etc and they removed the charge.

Yesterday, i recieved a letter (dated from july :mad: ) saying i have been given a default! !!!!!!!

am i screwed - what do i do?!

Thanks

CH27

Ring them up & talk to them.
Explain your situation & ask them to remove it.

Have you missed any payments?

HappyMJ

Let them know about it. It's probably just a computer sending you a template letter.

bottleofred

Normally if they were going to apply a default to your credit file, they send a letter giving you 14 days to settle the debt, after which time a default will be placed on your credit file if you have not settled the outstanding amount. I suggest going to the Bank and speaking to them, but be sure to get information from them in writing in the event of the default being applied.

happy_bunny_2

is it a 'default' or a 'default sum' of £12?

If its the latter, it may just be the paper wprk for the £12 over limit fee.