Just ask Santander to remove the search then, its not a problem. And it wouldnt say on your credit file if the account has been denied either only that a search has been carried out. That wouldn;t be the reason another company declined you a credit card. And asking you for ID is all part of the process.

Maybe I'm being a bit thick, but why are you annoyed at Santander? I've read your post a couple of times and I cant work out what the issue is. Are you annoyed that they have checked your credit file or is it that the switching od the account has not run smoothly? Thanks

Hiya, its possible that £100 is the minmum overdraft that is allowed and so they cant reduce it to £50. Have you asked them to just remove it?

Go into the branch and ask for them to put through an appeal tto the underwriters.

Is it up to them to PROVE that I made the payment? If they do say that I have made a payment, what is the next step? Thanks

Well, I've checked CRA and all clear, thankfully!! I've aslo printed off the Statute Barred letter and will send on Saturday recorded delivery.

Oh, OK. They are starting to leave voice messages now. 'This is a message for Ruby, this is Nick' like he is a friend!!

And another call!!!

Just had another call from them. If they are already passing it around does that mean they may give up of their own accord shortly?

I had the initial letter from LF Outsourcing and the second one from Link Asset?

I am sure it has only just tipped over to SB. No way I can check it though. Im only going by my daughters age and debit card renewal!

Awesome, thanks. What are they chances that after this they will just 'go away'?

Thanks for all your help. So at this stage I should just 'weather the storm' as at this stage I havent even acknowledged that they have the right person at the right address?

Have you got a copy of the prove it letter, please?

I havent yet checked Experian but I dont think it would show as they defaulted me 10 years ago and I havent received anything about a CCJ. The thing is, they are sending threatening letter without even confirming that I am the person named on the letter. Surely this is a DPA breach?? I dont mind ignoring the phones call, unfortunately my phone is a bit old and doesnt have to block number option. I did panic and go all sweaty when I recieved the letter but reading the forums on here has settled me a littlebit.. Still worried though.

Hiya, I was hoping someone here an help me. Its a long story so please bear with me. About 11 years ago I took out car HP with GE. Approx 12 months down the line I defaulted and subsequently the car was repossessed. I didnt hear anything for about 3 years until I was contacted by Link Financial. I was very pregnant by this time and was 'badgered' into setting up a repayment plan at £30 a month using my debit card details. I made about 3-4 months and then my debit card lapsed. Didnt really think about it at the time and had no further correspondence from them Fast forward 6 years, I had moved house 3 times, and just before Christmas I received a letter from Link advising that someone had 'applied for credit in your name at a different address'. Remembered that I had dealings with them years ago and binned the letter. Yesterday got another letter from them with a default balance wanting immediate payment or will apply for CCJ and/or send bailiffs round. They are also ringing me nearly every day on my mobile (dont know where they got the number from!) however I am not answering these calls. It seems that it is coming up to 'statute barred', if it hasnt already, but I cant be sure 100%. I had considered sending the SB letter however am worried that this would be like admitting the debt and the 6 year clock would start all over again!! Any advice as to my next move would be greatly received.