Wetcloths writing on old Santander OD debt not showing on CRA files

[Lrn97]

Hi all,

 

I have been to numerous websites to find my credit score, I've filled in my derails but nobody seems to know I exist! 

 

I am 25 now and from the age of 16 I had an account with santander, when I was 21 my account went Into default and I never paid the £700 it was overdrawn by, I have signed up on the electoral roll and still nothing! 

 

Can someone please help me! I have lived in numerous places over the previous years and I have added all known addresses. 

 

I wanted to get my debt settled and sort out my credit score but I can't as nobody hassles me for debt and I don't seem to be on the system!

 

Thank you

[dx100uk]

You don't need to sort your debt out 

It won't improve your score anyway 

 

How do you know your credit rating is bad?

 

Dx

[Andyorch]

If that's the only debt you have and have not got any other lines of credit it maybe that Santander have simply not registered the default and given the time line a debt over 9 years old wouldn't show anyway (over 6 years old)

 

Check that the CRAs have the correct National Insurance number

 

Andy

[Lrn97]

Hi my bank was overdrawn about 4 years ago now, I received a letter from wescot today, I don't want debt dragging along as I can afford to pay them off now I want to clear my name and get on with building my score, can anyone help me find my register? Or would I need to call cab? 

 

Thanks

[dx100uk]

How many more times. 

 

Paying the supposed debt will not improve your score & how do you know it's poor if you can't get a credit report?

 

I think you mean what @Andyorch pointed out, you have your credit file but this supposed debt is not showing?

 

wetcloths don't buy debts, so who is their stated client please?

 

just remember a DCA is not a BAILIFF

and have ZERO legal powers on ANY debt, no matter what it's type 

 

dx

 

[Lrn97]

Hi, it's more about having a clean slate for me I am trying to get my first house, 

 

The debt is with santander for £650, this is from August 2018, maybe it does not show on my report and that's why it says there's nothing on there but it's still money I owe,

 

I would of thought it would have defaulted on my score and would show that I have not paid it back I believe my account a £600 overdraft what cause the debt.

 

This debt is only 4 years old.

 

[dx100uk]

well could it have been defaulted previously? by the issuance of a default notice more than 6yrs ago?

if so the debt will not show.

 

if the debt does not show on all three providers

and

all your old addresses are showing in linked addresses then forget it.

 

you do NOT have to disclose it ever. nor pay it ever.

 

who are wetcloths stated client on their paperwork?