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  • FIRST POST
    • Jr14
    • By Jr14 5th Dec 17, 11:58 AM
    • 60Posts
    • 2Thanks
    Jr14
    Help
    • #1
    • 5th Dec 17, 11:58 AM
    Help 5th Dec 17 at 11:58 AM
    Hi everyone - I had my DRO accepted recently and have just realised when checking my noddle account that one of my account numbers on an old credit card appears different to what is on my DRO. I initially just assumed it was a different reference number but now I’m worried they’ve changed my card number within the many years I’ve moved address etc (always paid minimum amount by dd but never actually changed my address, bad I know).
    I have tried to ring the card company but they won’t speak to me as don’t know any of the security questions! Surely they would be able to trace the card number on my DRO to this debt?
    Please help!
    Thanks in advance 😫
Page 1
    • Jr14
    • By Jr14 5th Dec 17, 12:04 PM
    • 60 Posts
    • 2 Thanks
    Jr14
    • #2
    • 5th Dec 17, 12:04 PM
    • #2
    • 5th Dec 17, 12:04 PM
    Would stepchange and the IS have seen this during the application process too? Assuming they look at your credit report?

    Totally my error I know
  • National Debtline
    • #3
    • 5th Dec 17, 1:51 PM
    • #3
    • 5th Dec 17, 1:51 PM
    Hi Jr14


    You haven't suggested that the card company concerned have made any attempts to pursue you for this debt since the DRO was granted, and there is every chance that this should not be an issue at all. When your DRO was approved, you will have been sent a letter including a list of all the creditors listed within it. Keep this safe so that in the event anyone does chase you for payment, you can send them a copy of this by way of proof. If you did not hold multiple accounts and cards with that particular company, I would like to think that this administrative error would cause no major headaches.


    You can always get back in touch with the Stepchange intermediary who handled your DRO if you want further peace of mind.


    Dennis
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • Jr14
    • By Jr14 5th Dec 17, 2:05 PM
    • 60 Posts
    • 2 Thanks
    Jr14
    • #4
    • 5th Dec 17, 2:05 PM
    • #4
    • 5th Dec 17, 2:05 PM
    Hi - no they’ve not chased me (they have an old address)... I was just a bit worried if it was wrong and they weren’t aware of the DRO they would persue it further and I’d end up with CCJs etc.
    I only the one account with them yes - on my DRO confirmation it just has the company’s name and not any account numbers so hopefully will be okay?
    Think I will call stepchange too tomorrow. Many thanks
    • Amy13
    • By Amy13 5th Dec 17, 6:49 PM
    • 36 Posts
    • 13 Thanks
    Amy13
    • #5
    • 5th Dec 17, 6:49 PM
    • #5
    • 5th Dec 17, 6:49 PM
    My Vanquis card number didn't match the number on my credit report. I checked with Step Change if this was a problem and they said no as the Insolvency Service didn't look at card numbers, just the amount owed. Glad your DRO was accepted!
    • Jr14
    • By Jr14 5th Dec 17, 7:01 PM
    • 60 Posts
    • 2 Thanks
    Jr14
    • #6
    • 5th Dec 17, 7:01 PM
    • #6
    • 5th Dec 17, 7:01 PM
    Ah phew thank you
    Have been worrying all day!
    • Jr14
    • By Jr14 5th Dec 17, 7:01 PM
    • 60 Posts
    • 2 Thanks
    Jr14
    • #7
    • 5th Dec 17, 7:01 PM
    • #7
    • 5th Dec 17, 7:01 PM
    I’m guessing capital one will just know about it even though there’s a difference in numbers?
    • Amy13
    • By Amy13 5th Dec 17, 7:15 PM
    • 36 Posts
    • 13 Thanks
    Amy13
    • #8
    • 5th Dec 17, 7:15 PM
    • #8
    • 5th Dec 17, 7:15 PM
    I phoned Vanquis before my DRO was accepted and they said the number on credit report was their reference number and the card number was my reference number!
    • Jr14
    • By Jr14 5th Dec 17, 7:37 PM
    • 60 Posts
    • 2 Thanks
    Jr14
    • #9
    • 5th Dec 17, 7:37 PM
    • #9
    • 5th Dec 17, 7:37 PM
    Phew thanks! Strange how most are card numbers it confused me ��
    • sourcrates
    • By sourcrates 5th Dec 17, 8:10 PM
    • 12,673 Posts
    • 12,014 Thanks
    sourcrates
    As long as the outstanding balance you quoted covers the debt owed, you will be fine.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • Jr14
    • By Jr14 5th Dec 17, 8:16 PM
    • 60 Posts
    • 2 Thanks
    Jr14
    yes it covers the amount owed
    • Jr14
    • By Jr14 13th Dec 17, 1:29 AM
    • 60 Posts
    • 2 Thanks
    Jr14
    Should I write to capital one to inform them of change of address and confirm they are aware of DRO? My owing balance is shooting up on my credit report and worried they’ll issue a ccj or something that I won’t be aware of due to wrong address ��
    • fatbelly
    • By fatbelly 13th Dec 17, 9:25 AM
    • 11,644 Posts
    • 8,779 Thanks
    fatbelly
    Should I write to capital one to inform them of change of address and confirm they are aware of DRO? My owing balance is shooting up on my credit report and worried they’ll issue a ccj or something that I won’t be aware of due to wrong address ��
    Originally posted by Jr14
    There's probably nothing to worry about. They can continue to operate the account, but cannot enforce it, during the moratorium. And they would have been informed of the dro and the debt balance.

    But it wouldn't do any harm to remind them of where you are with this account.
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