kriso vs RBS - small claim

kriso · 9th June 2009, 18:26

I stupidly forgot to make my monthly payment to RBS last month, so it arrived a couple of days late. I got a LATE PAYMENT FEE (£12) which pushed me over my limit and so also got an OVERLIMIT FEE (£12).

I phoned RBS and asked if they would refund the fees as I have never missed a payment before and they said they could only refund one of them!

Then today I received a Default Sum Notice. Does this appear on my credit file autolinker.com autolinking image

and do I need to ask to get it removed, along with the refund of the charges?

I've done reclaims before, but never asked for default notices to be removed so now I'm wondering if I should have!

Can anyone clear this up for me, before I get writing my pre-lim letter?

kriso · 11th July 2009, 19:13

I still haven't found out about this Default thing. Does anyone know if it affects my credit file? I only recently got a credit report autolinker.com autolinking image

so don't want to pay for another really.

I've also now lost my promotional interest autolinker.com autolinking image

rate since I broke the terms by being a couple of days late one time!

Going to put a pre-lim claim letter in for the £12 overlimit fee.

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