Yes, Nationwide were very helpful after I rang and explained the issue, he looked into it and said yes he could see it was all down to them and he would remove the markers and update experian. Does anyone know how long it will take for my files to recover from this now? I also go onto the electoral register from the 17th.

Just to update my problem is sorted now

Can anyone shed any light? Thanks

Hi everyone, I am new here and looking for some advice regarding Nationwide charges and my credit score. I had some store cards when I was at university and got into trouble (no ccj's). It's now 12 years on and my OH and I are hoping to buy or first house in 2 years once we've saved up the deposit. So I recently checked my experian file for the first time, and whilst there is no mention of my previous bad accounts (all statute barred by now), I was surprised to see some numbers in the 'Account Status' section where my Nationwide accounts are shown. I opened up a second current account (no overdraft) with Nationwide last year with the intention of using it solely for business, and set up a standing order to my accountant every month. Shortly after I stopped using the account, and forgot all about the standing order A couple of months later I saw to my horror the SO had kept trying to go out, hadn't, and NW had charged me for it! Charges ammounted to over £200! I transferred money over to cover the charges which now amounted to an unauthorised overdraft. However NW kept charging me again every month, an interest charge, and a few for the unauthorized overdraft, all without my knowledge (I'd paid £200 to cover charges and thought all was fine). Anyway I saw my statement and rang NW in tears. The lady was very nice and said as I'd never had any charges refunded before she would stop all charges and interest and close the account. I didn't ask, and wasn't offered a refund on the charges I'd already paid for. Fast forward a few months to now. I checked my credit report and saw this [0] 2 1 0 0 0 0 1 0 0 0 0 £0 £81 £61 £41 £21 £0 £0 £80 £45 £30 £15 £0 Account Status Details: (1 - 12 months) It does not say there is any kind of default but it shows 'settlement date' 19/12/13. I cannot see my score but on noddle it shows 1/5 so this has obviously decimated my credit! My question is can I get these awful markers removed from my credit file, and if so how? I have read about BCOBS and wondering if I could use this? My second question is, with these markers on my file is there any chance I could still be accepted for a mortgage in 2 years time? We will have around a 25% deposit, looking for a house around £200,000, and have a combined income of £60,000. I will have 5 years self-employed records by then.

But he hasn't, and it's now been a month. So how do we get back the undisputed amount? Are you actually suggesting he can keep OUR money without ANY proof of what he's claiming to use it for? That contradicts absolutely everything I've read on the subject so far, which seems to indicate that the onus os on the landlord to prove any claims he has made, as the deposit is OUR money, not his, and he is obliged to account for it. Otherwise surely he is just free to make up any number he likes? Thank you for the response. What would you say is the next step from here? Should we wait to see what happens with the DPS? Open our own dispute with them? Or proceed to court?

Hi all, 6 month AST ended and we heard nothing about return of deposit for 2 weeks until i emailed agent to ask. They replied saying LL wanted to take deductions for some things. We asked exactly what those things were, and wrote a letter direct to LL saying if we didn't hear back we'd take legal action. Finally got a letter from him exactly 15 working days after tenancy ended. Deductions proposed are to cover damage which was already existing (we have pictures, and copy of the inventory we notated and sent to Agents detailing all this). They're even trying to claim for scuffs on a wooden floor which were indicated in their own inventory!! Plus one more thing which we don't have proof of, but certainly didn't do. They claim we damaged edge of carpet in a room and sent a picture (dated 5 days after tenancy ended) showing some short loose strands/ fraying. I'm slightly concerned they may even have set this up to frame us as it certainly didn't look like that when we left! His letter detailing deductions says what he wants to claim for, and how much, but there are no receipt or quotations?? Along with letter in post, we got a notice through DPS site that LL intended to make deductions and do we agree. We ticked no and sent it back. LL has now sent it back again, claming the deductions again. We have again ticked no we do not agree and sent it back. Today have sent a "letter before action" disputing each of the claims he makes and including a template I found on the net which covers things like LL can only claim for losses incurred, these must be accounted for, cannot use as a redecoration fund etc, and we require reply and cheque within 7 days or will proceed to court without further notice. I am wary of using the DPS arbitration/ dispute service as reading case studies it seems they often find party in favour of LL. It also seems a very faceless/ inhuman process, with little chance for us to show exactly how much LL is trying to rip us off. But I'm worried now we've rejected his claims twice on the site it will automatically go to their dispute service? I would rather go to court, even if it means paying. Apparently it will cost £70 to do this. I just wondered if anyone can let me know if I'm within the right time frame for all this and doing it in the right order? Additional points: Deposit was protected and we were notified Inventory was given to us to hand back to Agent at our leisure. They didn't show us around, attend check in, or do a check out We informed Agent of all the incorrect issues on inventory (things stated as clean when they weren't/ existing when they didn't etc) the day after moving in, by notating inventory, dating and initialling. We have copy of their fax report to show they received all this. Landlord wants to sell property - as he is claiming for costs towards replacing carpets and professional cleaning (not required in tenancy agreement) we're pretty sure he is aiming to use our deposit to do up his house to sell! We have nearly 100 pictures of property when we moved in, none from moving out unfortunately However we have 2 witnesses who helped us clean and move in/ out Deposit was over £1,000. To date they have kept all of it, even though the amount they are claiming is £450. It's now a month after we moved out and they still have our money Thank you in advance