johnny28
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i went overdrawn by pence and incurred these charges. I had no overdraft in place and they charged me £30 per month that I was overdrawn (unauthorised) So I will write them a letter stating the above and see what they come back with
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Its says Nationwide Current Account on the default
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I'm assuming there is a procedure they have to go through to sell the debt?
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I have lookd for a default notice and can;t seem to find one, it may have been throw out as it was 3 years ago. How do I go about resolving this?
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Nationwide said they passed it to a dca because I didn't pay the interest on the charges. I'm not too bothered bout reclaaiming the bank charges as I know there was a case a few years back to stop people reclaming them and the bank won? I just want the default removed as I beleve its unfair as I was paying the charges back
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Yes I started making payments to clear the bank charges directly to the bank, then they passed it to the dca which I paid diretly but i never put anything in writing to either nationwide or dca.
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that's exactly what it says on my credit file
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Hi dx which sheets etc do you want me to scan through?
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Ive just copied and pasted from the equfax file taking out my name
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Name Date of Birth Terms0 @ £ 0 (Monthly)StatusSettledCurrent Balance£ 0Start Balance£ 0Credit Limit£ 0Default / Delinquent Balance£ 157Start Date02/08/2004Date Updated06/02/2009Date Last Delinquent Date Satisfied06/02/2009Default Date06/02/2009
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On my credit file by equifax it states - Default date 06/02/2009 date satisfied 06/02/2009 exaclty the same date
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Hi Rene, Do you know if there s any information anywhere on this? Thank you for taking an interest too
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I'm assuming I can't get the default removed?
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Hello, I'll try and make this short, sweet and to the point. In 2007 I went a few pence overdrawn with the nationwide. this amount grew with £30 charges being added every month. I spoke with Nationwide and came to an agreement to pay xx amount monthly, which I honoured. I then receive a letter from a debt collection company stating that I owe £154 (this included their charges). I phoned Nationwide and obviously wondered why this had been passed to a debt collectors when I was paying this monthly. Nationwide said that is was because I didn;t pay the interest associated with the debt/charges which i disagreed with as this had not been pointed out to me when I had made these monthy arrangments. They dismissd that claim and stated that it would had been discussed. So they slap a default on my credit file, I pay the £154 to the debt collectors (through gritted teeth) and the default has been classed as satisfied on my credit file. My question is do i have a case to get this satisfied defaut removed from my file and how would I go about doing this. Many Thanks Johnny
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