Can be deleted

kl2

Can be deleted

[Deleted User]

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

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

The default was so close to coming off I would have left it.

kl2

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

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.