Hello, I'll try and make this short, sweet and to the point.
In 2007 I went a few pence overdrawn with the nationwide.
this amount grew with £30 charges being added every month.
I spoke with Nationwide and came to an agreement to pay xx amount monthly, which I honoured.
I then receive a letter from a debt collection company stating that I owe £154 (this included their charges).
I phoned Nationwide and obviously wondered why this had been passed to a debt collectors when I was paying this monthly.
Nationwide said that is was because I didn;t pay the interest associated with the debt/charges
which i disagreed with as this had not been pointed out to me when I had made these monthy arrangments.
They dismissd that claim and stated that it would had been discussed.
So they slap a default on my credit file, I pay the £154 to the debt collectors (through gritted teeth) and the default has been classed as satisfied on my credit file.
My question is do i have a case to get this satisfied defaut removed from my file and how would I go about doing this.
Many Thanks
Johnny