Attempt at removing a default

izools

Tixy wrote: »

izools - but presumably the bank may have sent demands for repayment of the unauthorised o/d or recall of an authorised o/d and possibly a default notice, just that it went to the old address?

Given the situation in this case that no change of address was notified I'd personally go for requesting a goodwill gesture rather than challenging the entry of a default.

That's fair.

In my personal experience however, and this is of course only anecdotal evidence, admitting anything at all often gets one nowhere, and fast.

I've found taking the hard line and sticking to it until the ragged edge yields good results more often than not.

And let's be honest, this being Santander, they probably didn't send any mail to the old address, and if they did, they probably don't have a record of it.

dadofdaisy

Tixy wrote: »

izools - but presumably the bank may have sent demands for repayment of the unauthorised o/d or recall of an authorised o/d and possibly a default notice, just that it went to the old address?

Given the situation in this case that no change of address was notified I'd personally go for requesting a goodwill gesture rather than challenging the entry of a default.

That is a good point actually. They did refer to the fact they sent letters, do you think they'll have evidence of this?

izools

If they have, you've lost nothing.

If they haven't, you're in with a good chance of having the default removed.

Nothing to loose.

dadofdaisy

email sent, thanks izools! They're pretty quick at replying so I should have one to that in the morning.
I'll update the thread once I get a reply.

Thrugelmir

dadofdaisy wrote: »

At the end of 2009 we moved address and failed to inform A&L, subsequently resulting in an account underfunding fee which spiralled to £460.xx overdrawn.
In April 2010 the account defaulted, which we knew nothing about until very recently.

What did you expect to happen? That the debt would get lost and written off. This is precisely the purpose of credit reports. To determine the attitude to personal financial management by an individual. As that's where the risk lies to a lender.

happy_bunny_2

I would also send an SAR. That should include evidence of all correspondence, dates etc

dadofdaisy

Thrugelmir wrote: »

What did you expect to happen? That the debt would get lost and written off. This is precisely the purpose of credit reports. To determine the attitude to personal financial management by an individual. As that's where the risk lies to a lender.

Sorry?
There was no negative balance on the account. We stopped using the account well before we moved address at the end of 2009, as far a we were concerned it was a dormant account.

dadofdaisy

I've just received a response to izools letter:

Thank you for the below email. Please be assured I will respond to your queries shortly.

Many thanks and kind regards

The email was sent on thursday and I received this today, she was usually pretty instant with her replies prior to the last one.

dadofdaisy

A huge thank you to izools!!!

They have fully removed the default from all 3 reference agencies.

matttye

dadofdaisy wrote: »

A huge thank you to izools!!!

They have fully removed the default from all 3 reference agencies.

Brilliant result!