"minor" default question

pheonixrising21

Gordon_Hose wrote: »

I think you missed the point. My point was, we don't know the circumstances surrounding why it was placed on their file.

I'm sure if the OP knew it was there, or that they owed £51, they'd have paid it. I know I would. Would you?

Maybe they wouldn't. Who knows? So lets not assume anything.

Exactly!

I had an AP marker on my credit file from Santander. This was caused by Santander b*llsing up a simple change of address, resulting in my DD being cancelled. I called them when I noticed the payments not going out and asked if I was in arrears. They said no, and gave me details of their account number so I could make bank transfers to them.

Also, the mess up had meant that they had put an admin block on my account which meant that no statements or other letters were being sent to me (and no, I couldn't use online statements as in Santander's infinite wisdom they thought it a good idea to remove this facility from all customers with this particular loan)

Two weeks later they rang me to say that I was in arrears. I said that they had told me there weren't any, they now said there were, so can I pay them back please. They said I could have 4 months to pay up to date, but due to the error previously made, they didn't send me any confirmation of the exact amount due and what to pay extra each month (so I payed what I could each month - it was around £220 over 4 months, so I paid £10 one month, £100 the next, then £60-odd and £60-odd again, all over and above my usual payments).

I complained to them and told them that as it was their error which caused this, they should remove all the adverse markers. They removed all the ones before the AP, but not the AP itself, claiming that I had breached the terms of the re-payment of the arrears. I denied this, stating that as I had received no written confirmation of the arrears (total amount), not confirmation of the payment plan (monthly amount), and no confirmation of the re-payment end date, and all this still due their initial (and ongoing - I still wasn't receiving statements), then as I paid back the arrears in full by the end of the plan as agreed then this marker should also be removed. All of the arrears were caused by them and the fact that I was unable to stick to the eact details of the re-payment plan was due the fact that they did not bother to send me this important information.

After much complaining, they have removed the AP marker and have given me £250 in compensation.

To be fair, in what way does ANY story change a bad default into an okay default or a goods default?

So, not all defaults are accurate so you cannot always assume that the OP is actually in defualt because there is one on file! Granted, there is no such thing as a "good" default, but a notice of correction can be placed on the credit file to notify potential lenders that the default is in dispute until such a time that the lender agrees to remove it (if applicable). Until the default is removed, it does exist, even if there is an argument that it shouldn't...

djalexr

Originally Posted by BugsyBrowne
It angers me when someone posts about a default and say its only tiny at the end of the day it will look worse it being tiny as its only a small amount which looks even more like you're struggling with finances.

If its that tiny why didn't you bloOdy pay it then?

A default is a default whatever way you look at it end of!!!

ha ha that's quite a strange thing to get so angry about, you seem to have a sparked off some kind of angry feedback loop on here about this issue!

I did say twice that I didn't know anything about it and would have paid it if I had!

thanks for all the responses everyone, really helpful - in the end, I followed the advice of people on here, contacted the CEO. Default has now been fully removed. So it can be done people! (regrettably, I still had to pay the £51!)