Missed Payment help

Paulacaffyn

Hi

5yrs ago I had a basic bank account with Nationwide.  During my divorce at that time I took my salary to another account leaving this delinquent.  I had a continuous payment set up with Payment Assist, who managed to get 2 payments from my zero balance, putting me overdrawn.
I didn’t deal with it at the time, and about 2.5yrs in, seen the balance on my credit file and transferred money into it to clear it.  My credit file showed the zero balance.

NW have reported a missed payment every month.  Still are.  Is this correct?  I understand while it had a balance, but why with a zero balance?

could someone explain to me please?

thank you 

born_again

Could be that Nationwide wrote the payments off, due to not worth chasing them.

Delinquent account is usually due to owing money to the bank.

eskbanker

Paulacaffyn said:

5yrs ago I had a basic bank account with Nationwide.  During my divorce at that time I took my salary to another account leaving this delinquent.  I had a continuous payment set up with Payment Assist, who managed to get 2 payments from my zero balance, putting me overdrawn.
I didn’t deal with it at the time, and about 2.5yrs in, seen the balance on my credit file and transferred money into it to clear it.  My credit file showed the zero balance.

NW have reported a missed payment every month.  Still are.  Is this correct?  I understand while it had a balance, but why with a zero balance?

could someone explain to me please?

If the balance has been zero for multiple years (confirmed by statements?) then no, they shouldn't still be reporting missed payments, so that may be worth challenging, but why keep the account open at all?

Nasqueron

You could ask them to default it instead, back dated to the missed payments, may not work with it being an overdraft