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Pay off default or wait for it to fall off?
lindsaygalaxy
Posts: 2,068 Forumite
I am currently trying to (still) sort out my credit files.
I have noticed that I have a default from nationwide that is from around the time of my bankruptcy. It is from a current account that appears to be in overdraft for around £100. It was a joint account with my ex so I can only pressume he had used it and not paid it off. Any letters would have gone to a house I lived in then (around 4 1/2 years ago) so i have no letters from them.
Would it be best to just wait for it to fall off my file or contact Nationwide, pay if off and try get them to remove the default (if this is possible?).
Thank you for your help. This pricess is proeving more diffcult than I had hoped for
I have noticed that I have a default from nationwide that is from around the time of my bankruptcy. It is from a current account that appears to be in overdraft for around £100. It was a joint account with my ex so I can only pressume he had used it and not paid it off. Any letters would have gone to a house I lived in then (around 4 1/2 years ago) so i have no letters from them.
Would it be best to just wait for it to fall off my file or contact Nationwide, pay if off and try get them to remove the default (if this is possible?).
Thank you for your help. This pricess is proeving more diffcult than I had hoped for
£2 Savers club £0/£150
1p a day £/
1p a day £/
0
Comments
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Was it incurred pre or post bankruptcy?
What is the status of the account?0 -
The account is showing as defaulted, 1 month post Br.£2 Savers club £0/£150
1p a day £/0 -
Doubt they would removed it even if you paid, which you shouldn't.
A default one month after BR is not a big deal.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
thank you.£2 Savers club £0/£150
1p a day £/0
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