DIP approved but found unsatisfied default- panic stations help please

jonnym8083

We have been approved for a DIP with nationwide.
we are due to put full application in tomorrow. We checked Experian before doing the DIP but yesterday we did check my file. My partner is showing an unsatisfied default from 3 years ago with t-mobile for £70.
the fact we have passed the DIP I’m presuming this would be known to nationwide and still been approved?
is it worth satisfying this tomorrow before sending full application?
its from an ex partner who had a old phone of my partners account. It’s been missed as we have been using Experian to monitor credit and it’s not showing with them.
any advice would be great. Thanks 

EverythingIWant

To be honest if you satisfy tomorrow it will take forever to update, I had one removed by EE after speaking to them as it was an unfair entry (not sure if yours is unfair though) but also most people in the mortgage world I have spoke to have said telecommunications/utility defaults are generally disregarded by lenders because they hand them out like haribo’s! In the case of utilities they are not really a credit agreement, you don’t sign anything etc so I have always wondered why they think they can add defaults which are not actually covered by the CCA?

So I wouldn’t be sweating it to much, also it’s under £200 which apparently makes quite a difference to its impact so I am told.

jonnym8083

Ok we’re panicking thinking if this doesn’t go through for the sake of £70....
as we have DIP at I correct in thinking they have already credit checked us abs checked against lending criteria? Is full App just a case of proving our figures. It’s joint app but they just want my last 3 months payslips. That’s it?

kingstreet

Nationwide is now using Equifax and TransUnion so chances are they already know about it.