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Clearscore notification meaning???
Cheesephetamine
Posts: 247 Forumite
I have two unsecured loans with NatWest which have been defaulted since 2019 and appear like that (defaulted) in my credit score since then. I've had a payment agreement with them and always kept my agreement since I entered a DMP.
About a month ago I wrote to NatWest to request a consideration for a write off of my debts. I received a letter 23rd November asking for more information (like a budget and such and letters of other creditors that have written off debts for me, which are actually a bunch) so that they can consider my request, all very normal procedures. I am still compiling that info so I haven't sent that back just yet, so they haven't heard from me.
Today my clearscore app has notified me that something is changing in my report. The app tells me that "an unsecured loan will be removed from your next credit report" and this notification appears twice. Both are for my natwest accounts. What does this mean exactly?? Does this mean that they have already decided to close and not pursue my debt or is this just another thing unrelated to that?
I will call the specialist team anyway on Monday to make sure what's going on but I wonder if any of you guys have any idea of what this could be other than they actually deciding to write them off. I don't want to have my hope up for them to be crushed... cos this is the last debt I have that haven't been paid or written off!
Thanks
About a month ago I wrote to NatWest to request a consideration for a write off of my debts. I received a letter 23rd November asking for more information (like a budget and such and letters of other creditors that have written off debts for me, which are actually a bunch) so that they can consider my request, all very normal procedures. I am still compiling that info so I haven't sent that back just yet, so they haven't heard from me.
Today my clearscore app has notified me that something is changing in my report. The app tells me that "an unsecured loan will be removed from your next credit report" and this notification appears twice. Both are for my natwest accounts. What does this mean exactly?? Does this mean that they have already decided to close and not pursue my debt or is this just another thing unrelated to that?
I will call the specialist team anyway on Monday to make sure what's going on but I wonder if any of you guys have any idea of what this could be other than they actually deciding to write them off. I don't want to have my hope up for them to be crushed... cos this is the last debt I have that haven't been paid or written off!
Thanks
TOTAL DEBT JUNE 2019: £38,233.87 Aiming debt free mid 2023. All bad debt written off / paid by January 2023. No missed payments in 2023. Only one active credit card to pay off! I DID IT 🎉
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Comments
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A couple of months back a few people reported seeing "an account will be removed" notifications, while simultaneously seeing "an account will be added" ones. Myself included. Do you see any notifications about an account being added too?
Not sure anyone got to the bottom of it. My presumption was some kind of internal update on Clearscore gone wonky.
If they wrote it off, that would be marked as settled or partially settled, not removed, I would think.My debt-free diary: Go your own way
Save £10k in 2024 #10 £11,135.44/£10,000
Save £12k in 2023 #20 £7,040.55/£12,0001 -
Yeah I think it doesn’t make sense to be honest specially cos I haven’t sent the paperwork they requested so I don’t see them just suddenly deciding to write it off just because. It’s very weird and I assume it’s a mistake by clearscoreTOTAL DEBT JUNE 2019: £38,233.87 Aiming debt free mid 2023. All bad debt written off / paid by January 2023. No missed payments in 2023. Only one active credit card to pay off! I DID IT 🎉0
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My one piece of useless advice would be don`t use clearscore.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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Why? Is there any issue with the service?TOTAL DEBT JUNE 2019: £38,233.87 Aiming debt free mid 2023. All bad debt written off / paid by January 2023. No missed payments in 2023. Only one active credit card to pay off! I DID IT 🎉0
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Lots of false or generic alerts get sent, just always seems to be them people has problems with.Cheesephetamine said:Why? Is there any issue with the service?I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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