There certainly has never been a default placed against my report by Santander ever. I've never had any dealings with the bank or any of their financial products. I have moved house several times in the last 16 years, but as I have a fairly uncommon surname I'm not sure how I could be confused with a previous tenant at any of the houses I have ever rented. Still not sure of the best plan of action here, but I will put a notice of correction on file with my credit reference agency and see what that turns up before I get in touch with the DCA

Thanks for the reply, I'll certainly be asking them to prove it. Unfortunately as they have put a default on my credit report I can't ignore them as this is having a detrimental effect on my credit rating. I am furious that they are allowed to do this!

Hi all I need a little advice on something that cropped up on my credit report awhile back. After noticing a default being registered from Hoist Portfolio Holding 2 Ltd for an alleged debt for £3,194.00 I entered a dispute with the credit reference agency to gather further information (Noodle.co.uk) I was told it was for a Santander account. Firstly I have never had an account with that bank or any financial association in any form at any time. The claim is the account began in 2004 and defaulted in 2011. This is blatantly untrue as previously stated I have never had an account with this bank and certainly not during this stated time period. I did however have an account with the Abbey National Bank, but I'm sure I left that bank in 2000, and certainly never had a debt that I can ever recall. I know Santander took over Abbey National in 2004 (after doing a little research), however I had left the Abbey long before this happened. I have since just received a letter from Robinson Way stating I owe this money and that it is for a Santander account. I deny I owe any money to Santander on the grounds I have never held any account with them and the nearest association I can reasonably find is from the Abbey National Bank which I left in 2000. Surely this debt doesn't exist, nor can I be harassed for a statue barred debt that is over 15 years old (if it even exists in the first place). Is there any action I can take that will get this default removed from my report, and also any action I can take against Robinson Way for maliciously damaging my credit report? Many thanks Phil