Rid90
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Student Account Overdrawn from 2012 still on Credit File
Rid90 replied to Rid90's topic in Royal Bank of Scotland
Ok, I get it now! Thank you so much for sharing your knowledge! I’ll sleep much better tonight thanks to you and the others that have contributed here. Thank you -
Student Account Overdrawn from 2012 still on Credit File
Rid90 replied to Rid90's topic in Royal Bank of Scotland
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Student Account Overdrawn from 2012 still on Credit File
Rid90 replied to Rid90's topic in Royal Bank of Scotland
@dx100uk Surely settling my debts is better than defaulting on them? As I said I have very little knowledge on how the system works. If the defaulted is the date when it first shows as in default then that would be November 2014? cheers @London1971 I do everything re Credit by the book. But I’m struggling to get into the “Very Good” bracket. Always staying in the “Good” or “Needs Work” bracket. I have 2 shopping accounts and 2 credit cards which I regularly use and pay off religiously. It just seems as if something is holding it back so I assumed it was this old debt. So what happens with this debt then? Does it just get wiped after 6 years? Because that sounds mental to me Surely someone needs paying? Again, apologies if this is painful for you but I literally don’t understand how this system ever works if this sort of thing goes on thanks again -
Hi, Since credit file/scores are now free, I signed up a while back in an aim to improve my score etc. I noticed at first all was well. But as time has gone on, my score has been coming down and down. I investigated further to find that there is 1 account in Default since 2014. It is my old student account and from what I can remember, I had an OD limit of £1200 which I was under, but then they changed my account to a Gold Reward account which didn’t have the OD facility, thus sending me over and charging me fees upon fees until they closed my account. Since then, I have tried to contact them and settle this numerous times only to be told they had sold the debt on to a collection company. I’ve tried and tried to locate my debt, even calling well known collection companies asking if I’m on file (which ended up with me having to clear a few little debts from other sources such as unpaid phone bill settlements etc), but to no avail. Im not knowledgeable on this type of thing so I was hoping someone could give me a nudge in the right direction as to what I should do to get this debt settled. I’ve read as many threads as I can on here so I’m aware of Statute Barred but I want my credit file clean. How should I go about this? Any help on this regardless of how small would be a great help to me. I’m an honest family man and I just want everything to be fair and square. We’re looking to get a house next year and I don’t want this to be the reason we can’t TIA
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