Nationwide, Capital One, Cabot, Experian Confused!

JerryH_2

I had two credit cards in default due to a financial 'glitch' following a medical problem, one is with Nationwide Credit Card and the other is with Capital One Credit Card, both debts were bought by Cabot Financial. In my Experian report it shows two defaulted credit cards which makes sense, but after looking closer it apprears that both are for the Nationwide account?, The one in the name of Cabot Financial is showing regular payments which has bought the original debt of £3669 down to £1500, the other default is showing as no payments made for a long period of time (about 2 years) the name on this debt is showing as Nationwide Credit Card the balance has stayed at £3,669?. There is no mention of the Captial One debt? I have received statements from Cabot  showing both the correct debts, (I linked the accounts online using their system hoping that would help clarify things but nothing has happened?), Capital One debt was originally £3,163 and is now down to £747 but nothing showing in Experian? This has obviously been affecting my score through no fault of my own? All recent phone calls to these people have resulted in nothing more than finger pointing and shrugged shoulders. Where do I start?

Thanks in advance for ANY help offered

Jerry Holdcroft

PaulW922

I would not complain too much about the Capital One debt not being there. As far as the Nationwide one is concerned, the debt should only appear once. You need to contact Nationwide and advise that the debt has been double reported, that Cabot is now filing a regular update whereas theirs still shows the original debt as outstanding, and ask them to remove it. They will probably do so without much hassle.