Mystery Default

[CD36]

Earlier this year I applied for a credit card with Nationwide which was approved in principle. A few days later I had a missed call from them but no message. Shortly after I received a letter advising I'd been declined. When checking my file I could see no defaults or late payments and I'm on the register at the application address.
When I contacted Check My File they said there was a 'default' showing for a bank account at my previous address, but they couldn't provide further details as it was only reported by Equifax, and they don't have a relationship with them.
I tried contacting Equifax for a credit report, but they won't provide it as my bank account is registered elsewhere (for the immediate future this can't change).
What shows on record is one entry for a bank account in July 2010 marked S, the balance shows as £0 and not defaulted. It doesn't show who registered it.
So, if I never held an account there any idea who registered this and why? How do I get a report from Equifax and how do I get this removed?

[Debt Camel]

Re: Mystery Default

Are you living in the UK ?

[nemesis45]

Re: Mystery Default

Hi, Try Call Credits Free online service Noddle it some times has more historical data.

nem

[CD36]

Re: Mystery Default

I tried that Nem, but you need a card registered at your address, which I don't have hence the application. I'm going to send a £2 cheque to Equifax and see if they'll take that.
^^ Yes UK based.

[nemesis45]

Re: Mystery Default

I tried that Nem, but you need a card registered at your address, which I don't have hence the application. I'm going to send a £2 cheque to Equifax and see if they'll take that.
^^ Yes UK based.

Do you have utility bills/council tax bill for your current address? If so send copies of these to Equifax, a photocopy of a driving licence would also be helpful.

nem

[CD36]

Re: Mystery Default

I've completed an application today which I sent to Equifax with a cheque.

[nemesis45]

Re: Mystery Default

I've completed an application today which I sent to Equifax with a cheque.

OK will look out for the results.

nem

[CD36]

Re: Mystery Default

I received my files back from Equifax today. There's a Bank Default registered by NCO Europe. All figures are set at 0 and it shows a start date in July 2010 with an end date the following day with an S.
I've no idea who they are or why they would register a default for £0 against me. Any ideas what I should do now?

[nemesis45]

Re: Mystery Default

NCO Europe fianancial/credit control/management company based in Preston Lancs.
S I believe = " satisfied" zero balance due to the debt being sold on by NCO, and the
" new owner" has not as yet chosen to up date the files or chase the debt.

nem

[CD36]

Re: Mystery Default

Thanks nem. I'm confused why they registered a bank default, as I've had the same account for over 15 years without issue.
I guess I can do one of the following:
Leave it to drop off, but that means I've got another year to wait before I have a clean record.
Query it with NCO, but risk compromising myself if they choose to pursue whatever it is again.
Also, is it possible if there is a new owner that they could register it again after NCOs record has dropped off?

[nemesis45]

Re: Mystery Default

Thanks nem. I'm confused why they registered a bank default, as I've had the same account for over 15 years without issue.
I guess I can do one of the following:
Leave it to drop off, but that means I've got another year to wait before I have a clean record.
Query it with NCO, but risk compromising myself if they choose to pursue whatever it is again.
Also, is it possible if there is a new owner that they could register it again after NCOs record has dropped off?

Hi, Contact all 3 credit reference agencies I suspect this will show on all of them, place a notice of correction/dispute on the files and ask the agency to check on the entry (s) for you.

A complaint to NCO Europe Thomas Ellis (Director) a good place to start,.

NCO's address is I think Ringway Preston but you will find it online.

Credit files should always be up to date and accurate clearly your is not.
It could change at any time.

nem

[CD36]

Re: Mystery Default

It's only Equifax that shows the record. I was able to check the other two and they're clear. I'll follow up with NCO.

[nemesis45]

Re: Mystery Default

It's only Equifax that shows the record. I was able to check the other two and they're clear. I'll follow up with NCO.

That makes me think there is a mess up with reporting somewhere.

nem