Approved for Nationwide Flex Account - when i registered online banking - a Credit Card Debt from pre+2010 shows

[MrJones012]

Hi All,

 

Back in the early 2000s I got in a lot of debt.

 

Most of this debt has been paid off through a debt management company or written off.

 

Around 2015 all the debts vanished from my credit files due to being over 6 years old.

 

I applied for a Nationwide flex account which I was approved for.

 

I logged in and was shocked to find my old credit card on there with a balance owing and payment due by middle of the month.

 

My questions are this do I need to pay this?

 

Should I use the flex account?

 

can they start writing to CRAs again?

 

Nationwide have not contacted me for a number of years since around 2010 and I thought this card was part of my repayment plan.

 

Any advice on what to do here?

 

Thanks for all your help again.  I received a lot of help from this forum back in the day.

 

 

[dx100uk]

nationwide dont sell their debts on 

and even though in E&W its considered statute barred, that still does not stop them asking for payment.

likewise it doesn't stop you from ignoring them.

 

nothing they can do , i dont think they can offset after all this time.

 

dx

 

[MrJones012]

I applied for the flex account for the 5% cashback for supermarket shopping.

 

As they cant offset, If I use the account can they write to a CRA for the old Credit Card.

 

And can I ignore payment in full due by 23rd?

[dx100uk]

can you post up the evidence of they will take payment in full by 23rd?

the debt was defaulted years ago, once the defaults 6th b'day is reached a debt is removed never to return.

doesnt mean to an original creditor if they still own it, it is in their eyes still not owed.