I have just checked my credit file with Noddle and Santander Uk have given me a default on my file back in 2011 when it should have been 2010 when my IVA started
If you have completed then send a copy of your completion to Santander and ask them to remove the default back to the start of the IVA.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
You need to write to the Data Controller at Santander.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I received a letter from them on 11/09/16 and ignored it as I assumed it was just for my records sort of thing, but when the latest update was 12/10/16, then I thought there was something wrong.
Spoke to Santander yesterday and they could not have been any more helpful. They realised that the dates were incorrect and that they would pass my case on to the people that do the magic with credit reference agencies and said that the change will happen within 10 days. If not, then to contact them and they will chase it up.
Thanks for the help everyone. Soon have a happy credit file.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I thought I would see if Santander has adjusted my file and I can not tell. Here is the info I found on check my file. It is listed at worst status as a partial settlement but still showing as a default.
Last Updated
16 November 2016
Default Date
21 December 2011 (should have been september 2010)
Default Satisfied Date
10 October 2016
Reported Until
December 2017
Surely it should just have vanished?
Last edited by Ta Dah on Tue Nov 22, 2016 1:10 pm, edited 1 time in total.
UPDATE:
I spoke to McDuffy's earlier today who advised me that it should have been a default and it should have dropped off, so I contacted Santander again. After being on hold for 5 minutes, it turns out that things must have been crossed over as the default was removed yesterday. Coincidence or what!! lol
Just glad it was sorted and Santander has been very helpful as possible.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
