ps. I'm looking for a template that I can use again for sending a polite but professional letter to BOS regarding their error. I used one from here a few years back but cannot seem to locate it, any help would be appreciated.
Thanks

Hi Greggy.

This site itself doesn't provide template letters, but another poster may be happy to share a letter that has worked for them.

I think if it were me I'd probably submit a formal complaint. This forces a bank to deal with the matter within a fixed period of time. It can also mean that the matter is dealt with by complaints staff who may have more autonomy than customer services staff.

You don't have to write to complain - a phone call is quicker and perfectly sufficient.

Hi TDA,
That's fine, I think I shall phone and complain.

Why do you think an account which was included in my TD dated May 2011 has found it's way back onto my credit file as an open account and defaulting the old sum? Just out of curiosity.

Thanks again

any ideas?

I've genuinely no idea Greggy.

I wouldn't complain by phone. Always do it in writing.

quote:

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Originally posted by tinsoldier
[br]I wouldn't complain by phone. Always do it in writing.

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I agree. I would say that anything important should be put in writing.

Even if you relax that rule for 'most things', a complaint should definitely be put in writing.

Morning,
Just to recap on my issue which happened the beginning of May. I check my credit file periodically and found that BOS had re-opened an account which was included in my TD from 2011. It was showing as an open account and was defaulting for the same amount from 2011, dragging my credit score down into the mud again.
After a little consideration i decided to write using recorded delivery to The Data Controller, BOS. I also phoned their complaints department and made an official complaint. After a few hiccups along the way, (them voiding and deleting my first telephone complaint for some unknown reason) I have just received a cheque for £150 through the post with an apology. My advice is keep checking your credit file periodically just in case!!

That's a great outcome Greggy.

Well done for taking positive action and getting everything rectified.

Hi Greggy,

That's a really good outcome. I'm sure £150 will come in handy.

Thanks for sharing your story as I'm sure it will help others.

More importantly, did they sort out your credit file?

Hi,
Yes, in writing that my credit file shall be sorted which can take up to 60 days seemingly. I'll keep my eye on it of course.

Hi Greggy,

Exactly the same thing has happened to me though I've only been calling them. Waiting on a callback about it either tomorrow or Monday. It's also dragged my score back down so well miffed about it. Hopefully it will get sorted out quickly as it came as a shock when I saw my reduced score.