Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

    • francine10
    • By francine10 18th Oct 16, 10:51 AM
    • 2Posts
    • 0Thanks
    Old Debt with Santander
    • #1
    • 18th Oct 16, 10:51 AM
    Old Debt with Santander 18th Oct 16 at 10:51 AM

    I have an old debt on my credit file from a current account with Santander from 2012. Its approximately 600 I really want to clean up my credit score as I want to buy a house but I'm not sure who I contact to clear the debt and make sure it is update on my credit file.

    Any help would be appreciated!

Page 1
    • sourcrates
    • By sourcrates 18th Oct 16, 11:25 AM
    • 14,030 Posts
    • 13,286 Thanks
    • #2
    • 18th Oct 16, 11:25 AM
    • #2
    • 18th Oct 16, 11:25 AM
    Who is marked as the creditor on your credit file, is it still Santander ?

    If yes, there's your answer.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see :
  • National Debtline
    • #3
    • 18th Oct 16, 3:39 PM
    • #3
    • 18th Oct 16, 3:39 PM
    Hi Francine10 and welcome to MSE,

    Sourcrates is right, if you have lost track of a debt, the best place to start is to check your credit files to see who has recorded the debt. It is possible that Santander has marked it as 'settled' because they have sold it on and then it may appear under a debt collection agencies name with a balance owing. There are 3 credit agencies, so it may be worth checking all 3 if it isn't showing on one or more.

    Once you know who it chasing the debt, write to them, confirm the balance owing and make the payment. Ask them to confirm they will update the file and mark it with zero owing (which they should do anyway). The debt should then appear as 'settled/satisfied' with a zero balance, permanently, which is more positive to your rating than an outstanding default. The debt will appear on your file for 6 years from the date of default.

    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • francine10
    • By francine10 20th Oct 16, 3:21 PM
    • 2 Posts
    • 0 Thanks
    • #4
    • 20th Oct 16, 3:21 PM
    • #4
    • 20th Oct 16, 3:21 PM
    Great I'll check there.

    Thank you for your help.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,664Posts Today

7,767Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line?

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin