2 year old mystery Natwest default. Help?!

Star2018

Hello!

Apologies if this is is the wrong place, has been asked a million times before (I have been looking for a solution for a while but decided I was just dragging my heels!)

I have decided its time to grow up and be sensible and save for a mortgage! This also included sorting out my credit file. Now admittedly I haven't been the best, a little lapse at paying on time, pay day loans etc but nothing too serious or so I thought!

Apart from 2 CC totalling less than £500 and £1000 left on a car loan I'm pretty much square. DD set up for CC and I have been overpaying loan, I also plan to overpay CC over next couple of months to clear.

Anyway slightly off point, the big shocker was when I checked my credit file on Equifax and Noddle they was a big red default. Details are

Natwest Bank Current Acc
Default date 31.8.2011
Current balance £956

They have spelt my surname incorrectly on Noddle and Equifax (don't know if this makes a difference?)

Anyway this was a package bank account that I didn't use, and completely forgot about, moved house, and hadn't thought about it since it appeared on my credit file as a default 2 years later! I am assuming most of that figure is their own charges which annoys me, charge on charge on charge (but hey, I suppose they are a business and need to make money)

Where do I go from here? I assume it's better for me to settle it if I want any hope of getting a mortgage in a few years. Would it be fair to make them an offer as they haven't chased me for it (or certainly not to my new address where I have been living and registered for 2 years). Does is make any difference that they have spelt my name incorrectly?

I would appreciate any help, I am trying to run full steam to tidy up and looking forward to paying off the last of my debts and seeing that deposit grow but this is getting in the way!

P.S If you still have interest after reading all that what do you think my chances are of getting a mortgage and how long should I wait (I realise this maybe impossible to say just yet!)

Thanks for reading, apologies for the waffle!

Star2018

Anyone? If it's been said before then can someone just point me in the direction please?

Thank you.

happy_bunny_2

Is it definitely your account or could it be someone elses as the name is spelt differently?

You could raise a query with the CRA and say the name doesn't match? See what comes of that.

The default stays for. 6 years. You will get a better mortgage rate when it's gone.

How long since you last used the account? Why did it go overdrawn or was this the package charges? Defaults are supposed to applied in a timely fashion, I.e. Within 6 months but current accounts can be a bit tricky.