Letter out of the blue from Santander 7 December 2022 at 7:36PM in Bankruptcy & living with it 6 replies 425 views

Mortgage1975

Hi All,

I went bankrupt in 2012 and was discharged in 2013. As part of the bankruptcy I had a credit card debt with Santander.

I have just received a letter in the post that says 

"Theres a refund on your Santander credit card,

When your account was being managed by Financial Support, we agreed to stop some interest and fees but this didnt happen. We are sorry we didnt do what was agreed.

We have looked at the impact this has had on the account balance at the time and every month since, we are reducing the outstanding balance on the credit card to reflect this.

The total refund being paid is £xx.xx, this amount has been applied to reduce the outstanding balance to £xxxx.xx

You dont need to do anything else in relation to this adjustment.

If this error affected your credit file, we will contact the credit reference agencies to correct it.

If you were subject to a bankruptcy order, you must assess whether your bankruptcy trustee should be informed"

I have two questions please - 

The account was showing as satisfied in 2013, can they now update my file to something else? (I hope not)

I am due to complete on a house purchase next month, and really dont want something that disappeared from my file years ago, coming back to shatter everything, just as I have got my life back together

Thanks

MorningcoffeeIV

It doesn't change how your account is reported. Bankruptcy is a line in the sand.

Mortgage1975

So can they go back now and amend my account to show as outstanding? (On my file)

MorningcoffeeIV

No. It defaulted and fell off your file.

Not even a religious intervention could bring it back to life.

Mortgage1975

Perfect, thank you 

Is it best for me to ignore the letter? 

sourcrates

Mortgage1975 said:

Perfect, thank you 

Is it best for me to ignore the letter? 

The account was written off by your bankruptcy, so no longer exists.

They will just alter certain figures on there own internal records, let them get on with it, nothing for you to do.

Mortgage1975

Great, thanks