Defaults with Santander

bilbodreams

I've checked my credit file with Clearscore. I ve got defaults with Santander and I understand they'll disappear after 6 years.
I have 3 defaults from 2010 (May, June, July) and then I I got up to date, and then more defaults in 2013 for that same Santander loan.
I paid everything off in 2014.
And now the question, apologies if it has been answered many times before
When will my file be "clean"? Do they count the 6 years from the first default or the last default?

National_Debtline

Hi bilbodreams,


It sounds as though these are missed payments markers, as opposed to defaults, because a default can only be registered once per debt (according to the Information Commissioners Guidelines that will be between 3 - 6months worth of missed payments). If you bought the account(s) back up to date and there was never an official default registered then the debt (and its history) will appear for 6 years from the date of settlement.


It may be worth checking Experian and Call Credit to see how they have recorded the debts to try and clarify what is going on.


Laura
@natdebtline

[Deleted User]

They sound like late payments, rather than defaults.

Defaulted accounts fall off 6 years from the initial default. Late payments will also fall off after 6 years, but the account will stay there until 6 years after closure.

bilbodreams

Thank you for your replies!

I ve checked with Experian and there is not sign of any default/late or missed payments. (In fact my score is 999.... I know, I know....the scores don't mean anything)
Need to check with Call Credit next..

So going back to my original question, sorry to be a pain, if the account would have been defaulted in 2010, after 6 years ( in 2016)they would have drop off from my file.
But if that account was classed as a late or missed payment it won't drop off till 2020 (as I made my full and final payment in 2014, I think I closed the account at the same time , need to double check that).
Is the above correct?
Does it mean that I would have been better off defaulting all together?

Or will the fact that they were classed as late or missed payments instead of defaults, give me a better chance to get a mortgage?

Alex444

Santander placed a default on my credit file 18 months after default letter, they then moved it on month upon month, they also added interest to the original amount. Their executive complaints team refused to remove it and the case ended up with the ICO who said Santander had breached data protection and were told to remove default, 2 month later it re-appeared, so back to ICO and FOS, it was subsequently removed and I was given a cheque for £200. as an apology.

It was only showing on Experian.

I am waiting on the default re-appearing at some time in the future.

bilbodreams

That is interesting Alex, now I wish I'd had kept all paperwork relating to them but back then I opted for putting everything single letter I received from debtors in the bin, typical ostrich.
When my partner found out about my debts, he tried to help me to get me out of the mess, I was paying 34.9% interest and, with my consent, he spoke to Santander a couple of times to clarify things, then they decided that they weren't allowed to talk to him as he wasn't the account holder ( they even denied that he ever spoke to them!).
I should have written to them and point out that they had already talked about my account to my partner but I never did. As I said, I used to ignore everything relating to debts and debtors.
I wish now that I'd had handled things in a different way.

Alex444

bilbodreams....Send them a Subject Access Request, that should give you all the information you need.