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About karky

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    Basic Account Holder
  1. Hi I can't find the "manage attachments" below the go advanced msg box
  2. In trying to get it removed, I sent a letter asking to see the original copy of the credit agreement, and a copy of the default notice which I did not receive. (Letter and reply will be attached via weblink at bottom). Santander replied to this letter replying that this account was not regulated by the consumer credit act, therefore does not have a credit agreement. How is it then that if I have no "CREDIT" agreement that they can make my "CREDIT" file? This makes no sense at all. Are they allowed to do this? Can anybody give me any advice on what I should reply back with? Should I demand that as there is not credit agreement that the default notice should be removed from my file? I appreciate all help with this matter as it is stopping me from getting a mortgage on my otherwise unblemished credit file! Michael AS A NEW USER HOW CAN I POST LINKS TO THE LETTERS?
  3. I can't believe a company can mark your credit file if you don't have a credit agreement with them. I only opened the account to make direct debit payments, not for any type of overdraft or credit. I sent the BCOBS letter citing financial hardship at the time on the 15th Feb, but am yet to receive a reply so just assumed that they ignored the letter.
  4. Hi Thanks for all the replies regarding this issue. So far I have had no luck with the BCOBS letter with Santander. As I initially opened an account with A&L and not Santander, I was wondering whether it would be possible to get the default removed on a technicality if Santander were unable to provide me with the original credit agreement that I agreed to with A&L. So reading up through the forums I am unsure whether I need to send a CCA request or a SAR. Can anybody help me and advise me on which letter is more effective and suited to my needs. Thanks in advance Michael
  5. Thanks for the reply. Yes the account was just a basic account to pay a number of direct debits.
  6. Hi I'm looking for some help with a bit of a sticky situation I am in. I'll try to be as brief as possible. I'm looking to get a mortgage, and have an excellent credit report apart from this one blip from Santander which is resulting in me being rejected. I originally opened an account with Alliance & Leicester in 2010 which was sold to Santander. It was an account I didnt use much, just to pay a few direct debits. 2 or 3 direct debits returned unpaid, so Santander hit me with around £100 worth of charges. I was a bit annoyed by this so decided to just stop using the account and ignored it. Now to my knowledge I never received a notice of default despite them claiming that it was sent. Santander defaulted the account on 19/7/11 with an unpaid amount of £415, all made up of charges which I thought was extortionate. I wasn't really bothered as I wasn't planning on getting a mortgage etc and didn't really realise how it would affect me further down the line! I have since been in contact with them and have offered to settle it if they remove the default, but they are refusing to do so as they believe all of the charges where correct. What I am really looking for is advice on how I can get it removed. Obviously tried to negotiation with them, and explaining the circumstances but they refuse to budge. Is there a way that I can look into wheter they have handled the account incorrectly, or is there something I can argue that I signed T&C's as and Alliance & Leicester customer, not Santander? I'm just hoping that someone has a way of getting it removed on a 'technicality'. Also, would it benefit my credit report if it was settled. As I understand it will be there for 6 years anyway, and a default effects your credit file whether settled or not. Thanks in advance for any help. Michael
  7. Right, very surprising but at the same time refreshing news! I sent egg and online message asking for the postal address and name of their data controller and explained why I needed those details. I pointed out that I had received advice that a debt can only ever have one default date and that this date was May 2006. They replied saying they acknowledge the error and that the default would be removed from my account. To my surprise, 24 hours later, it has subsequently been removed. I think this is the easiest resolution I could have dreamt of! Thanks for all the help and advice. Michael
  8. Hi thanks so much for your help. The only problem I have is that I have no proof of the original entry for this entry. I literally have no paperwork or correspondence with Egg as I discarded it when I moved home a number of years ago. Is there any other way that I can prove the original entry and default date? Thanks Mike
  9. Hi everyone, I hope someone can help me with this issue. I had a loan from Egg which I couldn't afford to pay back when I lost my job back in 2005. The account went into default in 12/05/2006 and was passed onto Cabot Financial. The default from Cabot was due to be removed in May 2012, which it was, however, now the default has been relisted by Egg dated 30/11/2010, meaning it will not be removed from my account until 2016! My partner and I were waiting for this default to be removed before we try to get a mortgage to buy our first home. I have no way of paying it back so the default is satisfied quickly as the default makes up around 15% of our deposit. Now I know for a fact that this was originally defaulted in 2007 with Egg, but I have not kept any paperwork or proof of that being the default date. Is there any way of getting this default removed, or proving that the default date of 30/11/2010 is incorrect without having a hard copy/proof of the original default? Any help on this matter would be greatly appreciated by myself and my partner. Thanks in advance Mike
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