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  1. Hi everyone, I am new here and looking for some advice regarding Nationwide charges and my credit score. I had some store cards when I was at university and got into trouble (no ccj's). It's now 12 years on and my OH and I are hoping to buy or first house in 2 years once we've saved up the deposit. So I recently checked my experian file for the first time, and whilst there is no mention of my previous bad accounts (all statute barred by now), I was surprised to see some numbers in the 'Account Status' section where my Nationwide accounts are shown. I opened up a second current account (no overdraft) with Nationwide last year with the intention of using it solely for business, and set up a standing order to my accountant every month. Shortly after I stopped using the account, and forgot all about the standing order A couple of months later I saw to my horror the SO had kept trying to go out, hadn't, and NW had charged me for it! Charges ammounted to over £200! I transferred money over to cover the charges which now amounted to an unauthorised overdraft. However NW kept charging me again every month, an interest charge, and a few for the unauthorized overdraft, all without my knowledge (I'd paid £200 to cover charges and thought all was fine). Anyway I saw my statement and rang NW in tears. The lady was very nice and said as I'd never had any charges refunded before she would stop all charges and interest and close the account. I didn't ask, and wasn't offered a refund on the charges I'd already paid for. Fast forward a few months to now. I checked my credit report and saw this [0] 2 1 0 0 0 0 1 0 0 0 0 £0 £81 £61 £41 £21 £0 £0 £80 £45 £30 £15 £0 Account Status Details: (1 - 12 months) It does not say there is any kind of default but it shows 'settlement date' 19/12/13. I cannot see my score but on noddle it shows 1/5 so this has obviously decimated my credit! My question is can I get these awful markers removed from my credit file, and if so how? I have read about BCOBS and wondering if I could use this? My second question is, with these markers on my file is there any chance I could still be accepted for a mortgage in 2 years time? We will have around a 25% deposit, looking for a house around £200,000, and have a combined income of £60,000. I will have 5 years self-employed records by then.
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