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kl2
kl2 Posts: 40 Forumite
edited 29 January 2020 at 1:10PM in Credit file & ratings
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Comments

  • [Deleted User]
    [Deleted User] Posts: 35,383 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Yes, it was probably a mistake. The late payments will now appear for a year longer than the default would have.

    That many late payments tells lenders that you effectively defaulted in any case.
  • kl2
    kl2 Posts: 40 Forumite
    Sorry, just realised it was 6 late payments.

    Hmm, now I'm unsure what to do - shall I ask them to re-add the default?
  • jimbo26
    jimbo26 Posts: 954 Forumite
    Part of the Furniture 500 Posts Name Dropper
    The default was so close to coming off I would have left it.
  • kl2
    kl2 Posts: 40 Forumite
    jimbo26 wrote: »
    The default was so close to coming off I would have left it.

    I'll quickly email the complaints manager, I'd rather just keep it and the adverse history disappears in Feb 2021.

    It doesn't really help me, I have so many missed payments from 2015 on accounts that were closed in 2017 so I'm stuffed for a few more years anyway, bit depressing now I know late payments last longer than defaults.
  • kl2
    kl2 Posts: 40 Forumite
    edited 21 January 2020 at 1:11PM
    Ah the complaints handler at Santander was excellent in fairness.

    Re-added the default but made it 3 months sooner (3 late payments not 6) so now it should be removed October this year. It was for a loan and he's defaulted it earlier rather than later, which is perfect for me.

    Pleasant outcome, happier now.
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