Nationwide Charges Default

itsdagal

Hi Guys and Girls,


I wonder if any of you can help with this.


Back in 2008 I changed bank accounts without realising that I had a £5 charity direct debit still on the account.


This resulted in charges etc amounting to £422 and to make matters worse I moved house so did not realise this had happened.


A default was subsequently registered which I did not notice until 2010. When I saw this I repaid it within a couple of months through the Debt Collection Agency that was looking after the file. My report now says satisfied.


I was wondering if there was any likelihood of getting this removed as it is the only blot on my file and I am in a position where I would like to apply for a mortgage.


Any advice would be greatly appreciated.


Thanks

matttye

What's the default date? Sounds like it'll drop off soon anyway.

Neil_948

itsdagal wrote: »

Hi Guys and Girls,


I wonder if any of you can help with this.


Back in 2008 I changed bank accounts without realising that I had a £5 charity direct debit still on the account.


This resulted in charges etc amounting to £422 and to make matters worse I moved house so did not realise this had happened.


A default was subsequently registered which I did not notice until 2010. When I saw this I repaid it within a couple of months through the Debt Collection Agency that was looking after the file. My report now says satisfied.


I was wondering if there was any likelihood of getting this removed as it is the only blot on my file and I am in a position where I would like to apply for a mortgage.


Any advice would be greatly appreciated.


Thanks

Wouldn't be worth challenging it as it would drop off this year. You may have to postpone the mortgage by a few months but look at it as a few months to save a few more pounds to possibly save towards you mortgage.

itsdagal

Unfortunately the default was not registered until 2010 (which seems a long time after the event in itself) so it still has two years to run.

matttye

itsdagal wrote: »

Unfortunately the default was not registered until 2010 (which seems a long time after the event in itself) so it still has two years to run.

The default should be dated about 3 months after you went into an unarranged overdraft.

Complain in writing and quote the relevant part of the ICO guidance on filing defaults. I think section 13/14 refers to current accounts.

itsdagal

Thank you - I did think these seemed odd.

itsdagal

Just to update on this - I contacted Nationwide by letter and they have removed the default as a gesture of goodwill (guilty conscience at the level of charges maybe) so all good.