Arrangement to pay

Kg2212

Hi all,

I'm having a dispute with santander at the minute. I always used experience to check my credit rating but have recently checked equifax and callcredit only discover that santander have placed an AR on a credit card in June 2008.

Basically what happened was that I transferred a balance to a santander credit card and wrongly thought that I had started a direct debit for the minimum payment to come out. I received a call from santander a week after it was late to point out my mistake- I did not pay immediately(why, I cannot remember). The amount paid plus that months payment were paid in full within a fortnight. I was never told that I would have anything marked on my file, let alone a AR.

I contact Santander and an advisor agrees with me and states he will contact his credit ref dept who will hopefully remove it. I hear nothing back and contact him again- he apologises and again says he will get back to me. In the mean time I write a complaint and am told in writing that they will not be removing the AR from my account as it is correct.

THEN......today I receive a phone call from the original advisor telling me that the credit ref team have looked at it and have removed it from my file. Apologised and said it was a santander error. I check my file and it's still there!!! I have now raised the complaint again and am awaiting the outcome!!
Can anyone tell me who is correct? They are telling me that because I was in contact with them and said I would pay in full at some stage that month it's an AR but if i had of ignored their call and paid late at the same time I did pay then it would be just late payment!

Thanks a lot in advance!

Thrugelmir

Kg2212 wrote: »

I received a call from santander a week after it was late to point out my mistake- I did not pay immediately(why, I cannot remember).

Unlikely to be a week late to receive a phone call.

Kg2212

Sorry, what do u mean? It was in and around a week?

Kg2212

And that is what Santander told me- it's a long time ago!

thebritishbloke

If they say they've removed it, they'll probably have removed it. You have to remember that it can take months for your report to update sometimes.

Kg2212

Thanks for your reply! Hope you are right. Let's say the advisor on the phone was correct and they are admitting fault, where do I stand in relation to a loan that I took out with them a year later which had an unusually high interest rate 12%- this was obv as a result of this market on my file as that is the only blemish I have ever had?

Thanks again!

20aday

I managed to get my AP markers removed by HSBC.

I gave it a fortnight and ordered my £2 stat. files from Experian and Equifax and by the time the letter with my PIN to access it arrived it'd disappeared.

thebritishbloke

Kg2212 wrote: »

Thanks for your reply! Hope you are right. Let's say the advisor on the phone was correct and they are admitting fault, where do I stand in relation to a loan that I took out with them a year later which had an unusually high interest rate 12%- this was obv as a result of this market on my file as that is the only blemish I have ever had?

Thanks again!

You could ask them to look in to whether this affected their original lending decision, which it probably did, but I doubt anything will come of it. They're not going to turn around and say "Oh yeah, we'll give you back that £1000".

Worth a phone call at least, but don't get your hopes up too much.