What you can do is get in contact with Veda, you can fill out a dispute form on line at their web site. Fill out their online form and outline the dispute your having with the bank regarding the alleged debt. Tell them that the alleged debt is in “BONAFIDE DISPUTE”. Try and attach copies of all of the letters as a file to the form. I think they will only take 5Meg of data? If you cant attach copies of all of your correspondence sent to the bank, contact Veda, tell them that you will send in all the supporting info – hard copies via Registered Post. You must send copies of all of your correspondence had between you and the bank, and copies of all the banks letters they sent to you i.e. their responses.
Once Veda gather all of this together, they will send copies of all of your documents regarding the dispute to the Bank for investigation. If the bank is not able to rebut anything you have said and the debt is found to be in “Bonafide Dispute”, Veda are obligated at Law IAW the National Consumer Credit Protection Act 2009, to remove the default listing the bank has listed against you with Veda. It is against the law for a financial institution to list a default against you, if the alleged debt is found to be in “Bonfire Dispute”. Veda will give the bank around 28 days to respond to your Veda submission. They will most likely not be able to rebut the fact that the debt is in dispute and Veda will be obligated to remove the default listing of which the will. If they don’t remove it and knowing you have a legitimate “Bonafide Dispute” regarding the alleged debt, the you can sue them at law for damages the negative default listing might have caused you. Hope this helps? Cheers and good luck.