Background
Karen was recorded with a default on a settled loan account. She'd challenged it directly with NatWest three times and been refused.
The challenge
The bank insisted the default was correctly applied despite records showing the balance was cleared before the default date.
Actions taken
- Ordered a full account statement history via Subject Access Request
- Identified the payment posting sequence that cleared the balance pre-default
- Submitted a formal Data Protection challenge with evidence exhibits
- Escalated to the Financial Ombudsman when NatWest declined
Outcome
Default removed across all three bureaus and £850 goodwill payment for four years of incorrect reporting.