Santander - Credit File Clean up following IVA Completion

didaiva

Hi,

Earlier this year I completed an IVA and thought I had got my credit file sorted out. i.e.

I got all defaults backdated to the date of my IVA, I got the IVA marked as completed with all 3 CRAs and my details off the Insolvency Register.

Everything was looking ok up to last week when Santander decided to DEFAULT me AGAIN on a DUPLICATE of the original account at the CRA. Copied below are the records from Experian and Equifax

Call Credit have still got the old details for now.

Can anyone offer any advice on what I need to do to get this cleared up properly and stop Santander from doing this again. I only got alerted to this error when I picked it up with the £1.99 alert monitoring service which Experian offer.

Experian - Correct entry - Correct Default Date

Entry Number:C5

SANTANDER UNSECURE...
Account type: Loan
Started: 17/11/2004
Current Balance: Satisfied
File updated: 27/05/2011
Special Instruction Indicator: Debt Assigned
Special Instruction Start Date: 01/07/2007
Default Balance: £8,522
Repayment Period: over 96 months
Monthly Payment: £102
Defaulted On: 24/03/2006
Status history:
Last updated: 27/05/2011
8
Note: A defaulted account is removed from your report after six years whether or not you have paid the debt in full. If you have paid some of the debt off, the balance should show how much you still owe.

Experian - New Entry Incorrect Default Date

Entry Number:C4

SANTANDER UNSECURE...
Account type: Loan
Started: 17/11/2004
Current Balance: Satisfied
File updated: 20/11/2011
Default Balance: £8,522
Defaulted On: 08/06/2006 - INCORRECT
Status history:
Last updated: 20/11/2011
8
Note: A defaulted account is removed from your report after six years whether or not you have paid the debt in full. If you have paid some of the debt off, the balance should show how much you still owe.

Equifax - Correct Entry

Loan from Santander Unsecured Loan (I) / XXXXXXXXXXX7870
Terms 96 @ £ 102 (Monthly) Status Settled
Current Balance £ 0 Start Balance £ 0
Credit Limit £ 0 Default / Delinquent Balance £ 8,522
Start Date 17/11/2004 Date Updated 22/07/2007
Date Last Delinquent Date Satisfied 22/07/2007
Default Date 24/03/2006
Payment History
This table shows how you have kept your account over time, for infomation about individual months pass your mouse cursor over the coloured block
J F M A M J J A S O N D
2007 Satisfied
2006 Danger Danger Defaulted
2005 Satisfactory Satisfactory Satisfactory Satisfactory Satisfactory Satisfactory Satisfactory Satisfactory Satisfactory Warning Warning Warning
2004 Not Updated Satisfactory Satisfactory Satisfactory Satisfactory
Customer Account Update
Status Explanation
DEBT ASSIGNED The account and liability has been transferred to another company.

Equifax - Incorrect Entry

Loan from Santander Unsecured Loan (I) / XXXXXXXXXX5787
Terms 96 @ £ 0 (Monthly) Status Settled
Current Balance £ 0 Start Balance £ 0
Credit Limit £ 0 Default / Delinquent Balance £ 0
Start Date 17/11/2004 Date Updated 20/11/2011
Date Last Delinquent Date Satisfied 27/10/2011
Default Date
Payment History
This table shows how you have kept your account over time, for infomation about individual months pass your mouse cursor over the coloured block
J F M A M J J A S O N D
2011 Satisfied
Customer Account Update
Status Explanation
PARTIAL SETTLEMENT Payment received as a full and final settlement although the payment would not fully clear the balance.

I'm concerned about this one as there is NO DEFAULT DATE only a SATISFIED DATE and potentially this record could stay on my file until 27/10/2017 - That's 12 years!!!!

How do I MAKE Santander remove duplicated records and ensure they don't register duplicate records again?

giblet10

Not sure if you got this sorted but I had a similar thing with Cabot - I complained to the Information Commissioner who sided with me, Data Protection Act etc and now it's all sorted.

Down side - ICO is very busy so it took five months from sending complaint to them for them to respond - but they are very thorough and I was happy with their in depth response .