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Default on your credit file


dingwalldemon
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Right folks its been a while since ive been on here but got some questions.

Claimed back over 7k last july, N/W cancelled my o/d of £500 on a specific date, cant remember when but it was about a week after i had the charges refunded by which time i cleared the account and moved it elsewhere. however when i was a bit tipsy i withdrew £210 from my N/W account at a cash machine after the o/d was cancelled 3 days earlier even though the balance was zero it still gave me it??, happy days i thought they must have changed there minds! anyway got a letter telling me i was o/drawn and hitting me with a charge for it. Never payed it and forgot about it until i checked my credit file today and saw a default notice on it from N/W dated 28/dec/07. Contacted them and offered to pay all the money if the would remove the default notice which they declined, told me to contact the debt collecters which i did and payed the money.

Questions are as follow...... and yes i know its my own fault!

1. Can i get the default removed

2. Opened the account online so never signed any agreement

3. Never requested an o/d they put it on my account after the first month with them

4. Am i f%cked for 6 years now because of it?

 

Any help appreciated.

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Hello again dingwalldemon!

 

Here is a link to your previous Nationwide Thread...

http://www.consumeractiongroup.co.uk/forum/nationwide-successes/83454-dingwalldemon-nationwide.html

 

...got a letter telling me i was o/drawn and hitting me with a charge for it.

U should have started the procedure for Re-claiming again.

Never payed it and forgot about it until i checked my credit file today and saw a default notice on it from N/W dated 28/dec/07.

U might have forgotten about it

...But did U seriously NOT think that Nationwide would 'forget' that U took £7K+ from THEM??...:confused:

Contacted them and offered to pay all the money if the would remove the default notice which they declined, told me to contact the debt collecters which i did and payed the money.

U should have come back to CAG + read up on what to do at the time, instead of going it alone.

Questions are as follow...... and yes i know its my own fault!

1. Can i get the default removed

Yes

2. Opened the account online so never signed any agreement

Irrelevant

3. Never requested an o/d they put it on my account after the first month with them

U didn't have to use the O/D facility given

4. Am i f%cked for 6 years now because of it?

U may be unless U research on what to do next

 

Any help appreciated.

The following Post would be a good place to start...

http://www.consumeractiongroup.co.uk/forum/show-post/post-1420422.html

 

 

...:)

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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