Credit score and default

Redalex

Hi, 
So, back in 2012 I had a default from HSBC bank, it was an overdraft payment that I wasn't aware of. 
When I returned back to UK in 2015,two years later in 2017 I have received a letter from Capquest(debt recovery company) that I owe to them this amount and that was the time. 
I spoke with HSBC and they told me that the debt was passed to a debt recovery company, which probably was Capquest and HSBC is no longer interested for the debt as they other company bought the debt from them.
Since then, I have never tried to contact Capquest. 
My credit score to all the Credit companies like Equifax, Experian etc is excellent and I cannot see any defaults in my reports.
I want to apply for a mortgage over the next months so my question is if the bank during the hard search is able to see this default back in 2012 or not considering that my credit score is excellent and no default is shown in my credit reports.
The outstanding amount is about £850.
Thanks! 

ldhme

No search will see this default as it's 9 years old and they only stay on file for 6 years. Furthermore, if you have not acknowledged the debt in writing or paid anything towards it in the past 6 years then it is statute barred and Capquest, or anyone else have any way of making you pay it. They are just trying their luck, you are in the clear, ignore them.

DCFC79

Dont wprry about the score as only you can see it, your history is whats important.

[Deleted User]

The only company who may still be able to see the default is HSBC (via their own records). No one will see your score.

Redalex

As I have mentioned, my score is excellent and no default is shown on my credit reports. 
My question is actually if a bank during a hard search on my history can see more things than what it's currently shown in my credit reports. 

Redalex

DCFC79 said:

Dont wprry about the score as only you can see it, your history is whats important.

Well, that's why I am asking if a bank during the hard search can actually see this default even if my credit reports show no defaults. 

2021BJ

Redalex said:

DCFC79 said:

Dont wprry about the score as only you can see it, your history is whats important.

Well, that's why I am asking if a bank during the hard search can actually see this default even if my credit reports show no defaults. 

They can't but you will need to inform them of this debt when you apply for a mortgage, as one of the questions will be specifically about any debts you have.  This will be one of them.

MEM62

Redalex said:

As I have mentioned, my score is excellent and no default is shown on my credit reports. 
My question is actually if a bank during a hard search on my history can see more things than what it's currently shown in my credit reports. 

Both @ldhme and @Deleted_User have answered your question.  You can ask as many times as you like but the answer is still the same :-) 

[Deleted User]

They won't be able to see the default as it has been more than 6 years. But definitely do not apply for the mortgage with HSBC.

MattMattMattUK

C1992 said:

They won't be able to see the default as it has been more than 6 years. But definitely do not apply for the mortgage with HSBC.

And do not lie on a mortgage application when asked if you have any debts by omitting the HSBC debt. 

Kiwistrawb1990

Mortgage applications ask if you have any defaults registered in the last 6 years. You do not, so you can say no. You'll probably be declined a mortgage with HSBC due to previous debt as they tend to hold an internal black list.