My Abbey overdraft was sold to a collection company, do I have a default?

sturgeon

I stopped using my Abbey as my main bank account and had an overdraft of around £500 on there. As I hadn't made payments into the account for a certain time they contacted me, and I paid £50.

At one point a few months later they wrote to me saying to cut up my cards/cheque book etc and contact them to pay back the debt. The problem occured mainly as I changed my address with the bank but it didn't seem to go through correctly whatsoever-only very recently did I find out the actual address they changed my account to, which was some vaguely similar address, in the wrong part of London, with an utterly random east london postcode. I got this from the company that Abbey passed the debt onto, after they did a bit of searching.

I had been paying off £50 installments to pay off the OD, but didn't pay them every single month and it wasn't a written contract or anything. Obviously when they become unhappy with that and wrote to me I didn't get the letters.

As soon as I found out it had been passed to this company, luckily only a week before I actually found out, they told me the amount that needed paying or the 'reduced' amount if I could pay the entire lot off that day, which I paid. I asked if this impacts my credit file in any way and they said they don't touch that, if anyone would it would be Abbey.

So in this circumstance would I have a default on my record? And because of the circumstance of them writing to an entirely random address and not contacting me properly (they have my phone number etc), if I did have a default can I have it removed?

I've literally just got a mortgage after buying my first property so I guess if anything untoward has now been put on my file, it took place after the mortgage company did all their checks.

CLAPTON

why not check your credit records and see what they say?