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Nationwide Default... help!


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yo yo yo shizzle etc etc.... Thats the intro over, proves i'm hip....er.. init...


Anyway, down to business. I cleared 30 and decided to check out the reasons of why i can't seem to get credit for a kit kat let alone anything else so i signed up with Equifax to look into my credit record.


I noticed a Default from May 2007 for just over £500 outstanding.


Now given i had a basic current account (no chip card, no going overdrawn etc) i'm 90% sure this is all charges as around June 2007 i opened an account with HSBC and obtained a chip n pin card.


Now i'm completely new to all this consumer rights thing but if i'm going to sort out my credit rating then I want to do it right.


I admit i owe money on a loan and an old mobile phone contract, i'm dealing with them.


How do I go about dealing with Nationwide. I have no dealings with them anymore.


Given I had no overdraft provisions to pay off "bounced" direct debits I'm pretty sure its all charges (HSBC will give me an "informal overdraft" at £25 a shot!)


Where do i begin? The account is now so old I don't even know the account number and have moved 3 times!

8-) With the help of this site so far I have......


Beaten Robinson Way (£600 SB)

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