Natwest Default help!

bartrumu

Hi, I'm new to this forum and hope someone can be of assistance.

in August 2014 I received a letter from APEX credit stating that i owed £498 on a Natwest Credit Card as i had apparently missed a number of payments This is the first I had heard of the error and immediately rang APEX and paid the debt off. Later, upon checking my credit file i noticed that Natwest had registered a Default against the account in July 2014.

I have since been writing to Natwest trying to address the issue. I have finally received a response that didn't take the form of a standard pro-forma. They assert that their system confirms that a default notice was correctly issued in August 2012! Two years before the alleged default took place! They then say that a Termination Letter was sent on 11 September 2012, then go on to state if I still have an issue then i can apply to the court to have the info removed.

I'm in the process of drafting a letter in response, but wonder if anyone had any views or advice as to whether I ought to bother replying to Natwest, given that they seem reluctant to actually read letters, or whether I should take this straight to the FSO?

Thanks for your time!