Won back charges but blackmarked

goodboy_now

Listen..what i dont understand is i have been defaulted for a charge that they for whatever reason refunded me,not been defaulted by my debitors as they were paid but by the bank.So if they gave back my charges how can they black mark me for them?
Either i am being really dumb or im not explaining myself to well

roonaldo

From what you have said, you had your charges refunded. This does not alter the fact you missed/dd failed (or whatever it was) in the first place, you just didnt get charged for it. But it doesnt alter the fact it was missed in the first place.

dunstonh

Think of the default and the settlement as two different transactions. At the point they loaded the default, you were in debt. The bank charge refund came in later and refunded that debt. However, the money could have come from personal savings, or inheritance of a family member. The source is largely irrelevant. The money settled the debt.

When the bank refunded the charges they usually did it as a goodwill gesture. So, in effect, it was a windfall payment to you. They were not saying their charges were wrong or that they were at fault. So, the fault for the debt still lies with you.

So if they gave back my charges how can they black mark me for them?

Because your actions still created the debt in the first place. Giving back some charges was an act of goodwill. Not an indication they did wrong.

hami24

a basic santander account can not appear on your credit file as it is not classed as i current account i know this as i had a similar problem with them , mine was found in my favour and there error , they had issued some d/d return fees even though they had been cancelled in writting to them , they then refunded them but issued default on the same day . i then got them refunded and the default removed .

it took nearly 10 months to do this , but during this process i was told that my basic account should not have appeared on my credit file as they are unreported as they dont have the need to be as they dont allow over drafts etc .

one way they get around it is to changed your account over on there systems to say a different type of account , i found this out and pulled them up for it ,

try your luck with this route but if you did have returned d/d and knew about it really you should just take it on the chin and learn from your mistakes .

dunstonh

I will just add that despite us pointing out the reasons why it exists on your file, it doesnt mean Santander wont remove it if you argue the case with them. Banks are quite scattergun in the way they handle complaints. Sometimes they cave in when they have no reason to and other times they will fight tooth and nail when they are in the wrong. If you dont ask you dont get when it comes to banks.

goodboy_now

Had a call from santander today saying they received a email back saying they have no record of this or of my refund and to call the complaints line.
Confused now.

goodboy_now

Spent nearly 2 hours on the phone today,explained the situation 6 times to different people..of which two rudely hung up up after asking me to hold.Eventually was told i was defaulted for letting my overdraught(i have never had one or asked for one) run poorly(charges being the overdraught).So back to my point,how can i be black marked for refusing to pay charges which they even wiped.I only never payed them after seeing martin lewis telling us to contest them in 07.Never mentioned i may get defaulted though did he!.Also they said my account was £53 in credit when they closed it...where's my £53 then??.Now i have had to log the whole story as a complaint and can expect to hear from them in 5 working days.

goodboy_now

Maybe martin lewis could come on here and advise me on this.

geoffky

goodboy_now wrote: »

Maybe martin lewis could come on here and advise me on this.

I see he has read your post but not commented...must think you are mad..:)

goodboy_now

how do you know he looked?,would have been nice for him to comment.