Default on Nationwide account not my fault.

Alr94

Hi,

I am after some advise as I have recently noticed I have a default on a Nationwide account which is affecting my credit rating.

My ex partner and I took out a joint account together when we bought our house. After some time we separated and sold the house which was registered to this bank account and I requested via online banking the account to be closed, I received a response which said my query would be dealt with within 5 working days. I assumed the account would be closed at this point. We had no income going into the account and no outgoings or outstanding balances.

I have now tried to obtain another mortgage only to be rejected for bad credit. I assumed this was a mistake however after doing a credit check it seems that the account is still very much active and we have a default on the account for £250. (the account itself was £10 a month so these are the payments which have caused the problem).

Could I please have any advice on how best to deal with this situation and if i would be in my right to demand this be removed as it was no fault of my own.

Thanks!

Willing2Learn

Hi,


If you are saying that you requested account closure by 'secure online message', then the account should have been closed (assuming there was no balance outstanding).


If this is the case then I suggest you make a written complaint to Nationwide, clearly stating you requested account closure on DD/MM/YYYY.

[Deleted User]

Both parties are required to close the account I believe.

As it’s a joint account you’re both equally responsible for it and thusly any charges will be applicable to both account holders

molerat

!!! wrote: »

Both parties are required to close the account I believe.

Not mentioned in the current T&Cs and I believe the FOS look on this as an unfair term on a standard "either" signatory account.


OP, go ahead and raise a complaint and take it all the way to the FOS if necessary.

Alr94

Thanks all.

They have removed the default and offered compensation.

Willing2Learn

Nice result. And so quick too!!!

MalMonroe

I don't understand why some folk advise following the argumentative and awkward route when, in my experience, a quick phone call can usually sort out a problem. I have an account with Nationwide and have always been really happy with them. If a phone call can't do it, then an appointment with the manager usually works. Once an error is discovered, it isn't a problem to put right.

System

Alr94 wrote: »

Thanks all.

They have removed the default and offered compensation.

Just be careful and double check. I don't think they can "remove the default" rather add a note of correction (a comment).

I may be wrong.

[Deleted User]

beany_bot wrote: »

Just be careful and double check. I don't think they can "remove the default" rather add a note of correction (a comment).

I may be wrong.

It can be removed from the account altogether