belated default

lookingforthelight

Hi,

Just noticed that my outstanding debt with santander has not been defaulted after 6 months of actually defaulting.

It is on my Experian report as over 6 late payments.

Are they just delaying putting a default on the account so they can continue to use it as a threat?

Im aware a default will on my file for 6 years from the date of default so, the sooner its on there the sooner the clock can start ticking.

(my credit file is shot anyway with other defaults)

Thx

fermi

What type of account?

Please read ---> https://forums.moneysavingexpert.com/discussion/3172602

1st part of s4 most relevant.

If you think a default should have been recorded you can complain, but if only just 6 month you may be better waiting a bit until they are more arguably in the wrong.

Jeff_winter

As above I would expect that the default will come within the enxt couple of months. If you are unhappy with the date at which they default you, you can also always complain to them firstly and then the financial ombudsman to backdate the default.