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Incorrect reoccurring default on credit record RBS

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Comments

  • ajrb202
    ajrb202 Posts: 8 Forumite
    The default for June 2010 only appeared in August 2011 so it's a bit weird. The account hasn't run me into trouble per se, but it's difficult to apply for finance or look at mortgages with that sort of history on there
  • stclair
    stclair Posts: 6,855 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    ajrb202 wrote: »
    The default for June 2010 only appeared in August 2011 so it's a bit weird. The account hasn't run me into trouble per se, but it's difficult to apply for finance or look at mortgages with that sort of history on there

    Just to clarify are you staying that your account has/is being run in perfect order but the bank have defaulted you? Do you not owe any debt to the bank?
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • stclair
    stclair Posts: 6,855 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    ajrb202 wrote: »
    The default for June 2010 only appeared in August 2011 so it's a bit weird. The account hasn't run me into trouble per se, but it's difficult to apply for finance or look at mortgages with that sort of history on there

    Just to clarify are you staying that your account has/is being run in perfect order but the bank have defaulted you? Do you not owe any debt to the bank?
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • ajrb202
    ajrb202 Posts: 8 Forumite
    I am in debt to the bank however all accounts have always been in order otherwise (I.e all payments have always been met). However I have been defaulted anyway which RBS recognize as an error on their part.

    Hope that clears it up a little more
  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    Did you get any form of compensation for inconvenience? If not, i would talk to the FOS about this as they have messed you around a lot and prevented you getting credit.
    :beer:
  • ajrb202
    ajrb202 Posts: 8 Forumite
    Just an update, the ICO had the account closed and overdraft wiped due to a reoccuring system issue. so thanks for the advice!
  • stclair
    stclair Posts: 6,855 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    ajrb202 wrote: »
    Just an update, the ICO had the account closed and overdraft wiped due to a reoccuring system issue. so thanks for the advice!

    We always love a happy ending on MSE :j:j
    Im an ex employee RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
  • pmduk
    pmduk Posts: 10,704 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    ajrb202 wrote: »
    Just an update, the ICO had the account closed and overdraft wiped due to a reoccuring system issue. so thanks for the advice!

    Thanks for updating us. It's useful to anyone else with the same problem in the future.
This discussion has been closed.
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