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Posted: Sat Nov 12, 2016 5:36 pm
by Ta Dah
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
What can I do? Or have I got to tuff it out???
Date of default
21/12/2011
Posted: Sat Nov 12, 2016 5:42 pm
by kallis3
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.
Posted: Sat Nov 12, 2016 5:46 pm
by Ta Dah
Thanks Kallis
Will it be there general address or is there a special section? Can I dispute it through Noddle?
Posted: Sat Nov 12, 2016 5:51 pm
by kallis3
You need to write to the Data Controller at Santander.
Posted: Sat Nov 12, 2016 5:53 pm
by Ta Dah
Many thanks
Posted: Sat Nov 12, 2016 5:59 pm
by Foggy
Posted: Sat Nov 12, 2016 8:16 pm
by Ta Dah
Thanks Foggy
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.
Posted: Tue Nov 15, 2016 10:29 pm
by Ta Dah
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.
Posted: Wed Nov 16, 2016 12:13 am
by luluj
Keep an eye and ensure it is not added as a notice of correction instead of it being removed.
Posted: Wed Nov 16, 2016 6:26 pm
by Ta Dah
Will do luluj
Posted: Wed Nov 16, 2016 6:41 pm
by kallis3
Hope it gets sorted.
Posted: Tue Nov 22, 2016 1:08 pm
by Ta Dah
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?
Posted: Wed Nov 30, 2016 10:28 pm
by Ta Dah
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.
Posted: Thu Dec 01, 2016 8:56 am
by kallis3
That's good news.
Posted: Thu Dec 01, 2016 8:56 am
by Michael Peoples
Nice coincidence and good press for Santander. At least where there is a fault they move to rectify it.