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johnny28

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  1. 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
  2. Its says Nationwide Current Account on the default
  3. I'm assuming there is a procedure they have to go through to sell the debt?
  4. 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?
  5. 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
  6. 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.
  7. that's exactly what it says on my credit file
  8. Hi dx which sheets etc do you want me to scan through?
  9. Ive just copied and pasted from the equfax file taking out my name
  10. 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
  11. On my credit file by equifax it states - Default date 06/02/2009 date satisfied 06/02/2009 exaclty the same date
  12. Hi Rene, Do you know if there s any information anywhere on this? Thank you for taking an interest too
  13. I'm assuming I can't get the default removed?
  14. ***UPDATE**** I started Court prceedings and 2 days before the court case the company settled with me 3 times what I was asking for
  15. 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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