nationwide flex acount query

System

Basic current accounts (including Cash Card accounts) may or may not be reported at the discretion of the bank/building society.

Are you disputing some aspect of the charge itself? If not, then it should have been paid when due and you wouldn't have had this problem.

titch2411 wrote: »

Yes i agree a debt should be recorded on CRA but i know i sound like im repeating myself it wasnt a debt its a charge they have recorded against me as unpaid over a 3 month period, all paid up and settled , its recorded as delinquent not defaulted..

rb10

A basic current account is a type of current account.

As you have found, it is possible, in some situations, to be in an unauthorised overdraft on these types of accounts.

It appears from your posts that you have £37 of Nationwide's money for 3 months, without their agreement. If this is the case, then that fact should be reported on your credit report.

titch2411

Hi rb10 , this is my point it wasnt a current account it was a simple cash card account , i have exactly the same account with the halifax an instant saver which will also do DDs etc but isn't classed as a current account.

noh

titch2411 wrote: »

Hi rb10 , this is my point it wasnt a current account it was a simple cash card account , i have exactly the same account with the halifax an instant saver which will also do DDs etc but isn't classed as a current account.

It is a current account see:-
http://www.nationwide.co.uk/current_account/cashcard/basic-cash-card-account.htm

innovate

titch2411 wrote: »

Hi rb10 , this is my point it wasnt a current account it was a simple cash card account , i have exactly the same account with the halifax an instant saver which will also do DDs etc but isn't classed as a current account.

Even if it wasn't a current account, the fact remains that you owed Nationwide money that you had borrowed without agreement. Whether that borrowing was as a result of a charge is neither here nor there - bottom line is you had an unauthorised debt. Nationwide can, and do, and rightly so, report such debts, and so do other banks.

rb10

titch2411 wrote: »

Hi rb10 , this is my point it wasnt a current account it was a simple cash card account , i have exactly the same account with the halifax an instant saver which will also do DDs etc but isn't classed as a current account.

The Halifax Instant Saver is a savings account.

The Nationwide Cash Card account is a type of current account.

See the web page for it:
http://www.nationwide.co.uk/current_account/cashcard/basic-cash-card-account.htm

Look at the bit that comes after 'nationwide.co.uk' in the web address: current_account

Look at the part of the blue tab at the top of the web page that is highlighted: Current accounts

Look at the big blue sentence at the top of the page: The Nationwide Cash Card account is our basic current account

Need any more proof?