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Credit report shows an account i forgot I have. Does this mean its still active?

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Comments

  • sacvwgolf
    sacvwgolf Posts: 71 Forumite
    Sixth Anniversary 10 Posts Name Dropper Combo Breaker
    Does it matter that my proof of addresses isn't the same as listed for that bank account? as it was so long ago...
    FTB

    23/6 - Offer accepted
    7/7 - Application for mortage
    8/7 - Searches ordered
    21/7 - Mortage Offer issued
    30/7 - Contract pack received. Enquiries raised.
    9/8 - Mortgage Deed signed and witnessed.
    11/8 - Searches returned.
    12/8 - Survey completed. Nothing major. 
    23/8 - Home buyers report received.
    6/9 - Enquiries response received.
    15/9 - LISA deposit paid to solicitors
    5/10 - Contract signed

    27/10- Seller pulled out at exchange
    15/11- Exchanged
  • Sharon87
    Sharon87 Posts: 4,011 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    As long as you have your photo date, your name and date of birth and if possible your old addresses they will be able to track the account down. Your ID and this info should be all the security they need.
  • sacvwgolf
    sacvwgolf Posts: 71 Forumite
    Sixth Anniversary 10 Posts Name Dropper Combo Breaker
    Right just a little update, I used 'My lost account' and have traced the dormant account and I am now going through the process to get access to it again.

    Also got myself on the electoral roll and now appealing the original refused quote. :)

    :T
    FTB

    23/6 - Offer accepted
    7/7 - Application for mortage
    8/7 - Searches ordered
    21/7 - Mortage Offer issued
    30/7 - Contract pack received. Enquiries raised.
    9/8 - Mortgage Deed signed and witnessed.
    11/8 - Searches returned.
    12/8 - Survey completed. Nothing major. 
    23/8 - Home buyers report received.
    6/9 - Enquiries response received.
    15/9 - LISA deposit paid to solicitors
    5/10 - Contract signed

    27/10- Seller pulled out at exchange
    15/11- Exchanged
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    sacvwgolf wrote: »
    Also got myself on the electoral roll and now appealing the original refused quote. :)

    :T

    Come back and say how you get on.
  • sacvwgolf
    sacvwgolf Posts: 71 Forumite
    Sixth Anniversary 10 Posts Name Dropper Combo Breaker
    Well I appealed the decision and the decision remained unchanged. Never mind. At least this gave me the opportunity to tidy up my credit report and get it accurate which will help in the future.

    Also Santander have sent me a letter that they have found my account and invited me to visit my nearest branch. Only problem is they ask for a photograpic ID - ok and proof of ownership relating to the account - not ok as i forgot it existed and have nothing. Going in tomorrow so could be interesting :o . The letter also stated that a 'Change of Details' form was enclosed which it wasn't...Sighhhh was is nothing easy :mad:
    FTB

    23/6 - Offer accepted
    7/7 - Application for mortage
    8/7 - Searches ordered
    21/7 - Mortage Offer issued
    30/7 - Contract pack received. Enquiries raised.
    9/8 - Mortgage Deed signed and witnessed.
    11/8 - Searches returned.
    12/8 - Survey completed. Nothing major. 
    23/8 - Home buyers report received.
    6/9 - Enquiries response received.
    15/9 - LISA deposit paid to solicitors
    5/10 - Contract signed

    27/10- Seller pulled out at exchange
    15/11- Exchanged
  • sacvwgolf
    sacvwgolf Posts: 71 Forumite
    Sixth Anniversary 10 Posts Name Dropper Combo Breaker
    Went in today and manged to get the account taken off 'dormant hold' and a new card ordered. Looked a bit dodgey, the account had one address, my driving licence had a different one and my current address. Hah took some explaining to do but all sorted now :T :j
    FTB

    23/6 - Offer accepted
    7/7 - Application for mortage
    8/7 - Searches ordered
    21/7 - Mortage Offer issued
    30/7 - Contract pack received. Enquiries raised.
    9/8 - Mortgage Deed signed and witnessed.
    11/8 - Searches returned.
    12/8 - Survey completed. Nothing major. 
    23/8 - Home buyers report received.
    6/9 - Enquiries response received.
    15/9 - LISA deposit paid to solicitors
    5/10 - Contract signed

    27/10- Seller pulled out at exchange
    15/11- Exchanged
  • agrinnall
    agrinnall Posts: 23,344 Forumite
    10,000 Posts Combo Breaker
    sacvwgolf wrote: »
    Went in today and manged to get the account taken off 'dormant hold' and a new card ordered. Looked a bit dodgey, the account had one address, my driving licence had a different one and my current address. Hah took some explaining to do but all sorted now :T :j

    Why isn't your driving licence in your current address? It's free to change (although the site is down for maintenance at the moment)

    https://www.gov.uk/change-address-driving-licence
  • sacvwgolf
    sacvwgolf Posts: 71 Forumite
    Sixth Anniversary 10 Posts Name Dropper Combo Breaker
    It is I changed it about a week ago but it just haven't come through the post yet.
    FTB

    23/6 - Offer accepted
    7/7 - Application for mortage
    8/7 - Searches ordered
    21/7 - Mortage Offer issued
    30/7 - Contract pack received. Enquiries raised.
    9/8 - Mortgage Deed signed and witnessed.
    11/8 - Searches returned.
    12/8 - Survey completed. Nothing major. 
    23/8 - Home buyers report received.
    6/9 - Enquiries response received.
    15/9 - LISA deposit paid to solicitors
    5/10 - Contract signed

    27/10- Seller pulled out at exchange
    15/11- Exchanged
This discussion has been closed.
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