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  • FIRST POST
    • LolliUK
    • By LolliUK 16th Jun 17, 9:18 PM
    • 8Posts
    • 0Thanks
    LolliUK
    Defaulted bank account - no idea why
    • #1
    • 16th Jun 17, 9:18 PM
    Defaulted bank account - no idea why 16th Jun 17 at 9:18 PM
    A quick query if anyone can help.

    I've had a credit check carried out by the local police for voluntary work with them, and they said I had a defaulted bank account - this was news to me! It's taken me some time to access details of my credit report as for some reason Experian wasn't giving me access, I went via Clear Score instead and initially I couldn't see any issues flagged up at all so reported that back to the police vetting services - oops, turns out there was something after all.

    Turns out it's a bank account I had with Lloyds, last activity on the account was in 2011 - this was closed due to issues with overdraft charges, as I know there was no debt outstanding and that was that. I do not just walk away from debt, in my experience a person can't just walk away from a debt without a debt collector knocking down your door, I've had no contact from them to say I owe them money and yet it's showing me as owing around £230.

    I can't pay that as I'm long-term unemployed due to disability so claiming ESA, at most all I could do right now is offer a £1 monthly token payment, I have no details on that bank and I'm not sure how I proceed from here. I don't know how I owe them money or how it's just sitting there without anyone having chased me up on it. I'm confused!
    Last edited by LolliUK; 16-06-2017 at 9:21 PM.
Page 1
    • sheff6107
    • By sheff6107 16th Jun 17, 9:53 PM
    • 364 Posts
    • 235 Thanks
    sheff6107
    • #2
    • 16th Jun 17, 9:53 PM
    • #2
    • 16th Jun 17, 9:53 PM
    If it's 2011 it should drop off this year.
    • LolliUK
    • By LolliUK 17th Jun 17, 10:53 PM
    • 8 Posts
    • 0 Thanks
    LolliUK
    • #3
    • 17th Jun 17, 10:53 PM
    • #3
    • 17th Jun 17, 10:53 PM
    That may be the case, but that doesn't help me now with regards to the voluntary work.

    Can anyone help?
    • Lith
    • By Lith 18th Jun 17, 12:44 AM
    • 854 Posts
    • 237 Thanks
    Lith
    • #4
    • 18th Jun 17, 12:44 AM
    • #4
    • 18th Jun 17, 12:44 AM
    That may be the case, but that doesn't help me now with regards to the voluntary work.

    Can anyone help?
    Originally posted by LolliUK
    Pay the debt? or wait it out.... as you said (its voluntary work)
    HSBC (Main A/C)
    Halifax Back up A/C
    Lloyds (Spending) A/C
    RBS Back up A/C
    Barclays Old A/C
    Nationwide Old A/C
    • sourcrates
    • By sourcrates 18th Jun 17, 11:05 AM
    • 10,880 Posts
    • 10,554 Thanks
    sourcrates
    • #5
    • 18th Jun 17, 11:05 AM
    • #5
    • 18th Jun 17, 11:05 AM
    Paying the debt will not remove the default anyway, it will be marked as satisfied, but will still show until the 6 years are up.

    I`m afraid if the police require you to have a clean credit file, you will have to wait until later this year when the default will drop off, that will also give you the added advantage of the debt becoming statute barred.

    Sometimes its deemed to costly to recover a debt, or the bank makes a commercial decision to just not chase it, this could be because they dont have a current address for you, or its unrecoverable due to your circumstances.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    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/
    • LolliUK
    • By LolliUK 18th Jun 17, 9:31 PM
    • 8 Posts
    • 0 Thanks
    LolliUK
    • #6
    • 18th Jun 17, 9:31 PM
    • #6
    • 18th Jun 17, 9:31 PM
    Thank you, that makes it a little clearer. I guess I'll wait to see what they say in reply to the email I sent, obviously I said I didn't see a defaulted account but that can be cleared up when they reply and let me know what the situation is with this defaulted bank account.

    There are two voluntary jobs on the line so really not great if it's a deal breaker (it may just be a voluntary job but as I've been unemployed for over nine years, and my last three employers no longer exist, I need voluntary work if I want to stand any chance of ever working again).
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