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Santander left 10k debt on my experian file, but aren't pursueing it!

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Nearly six months ago I cca'd Apex (who I'd been paying for years for a cahoot loan), they replied saying they were closing my account with them and referred me to Santander. I CCA'd them and after a couple months got what looks like a valid cca for my cahoot flexiloan (taken in 2001), and a statement of account which bizarrely shows the debt outstanding of £0. At the sametime I noticed an update on my experian file, showing 10k outstanding to Santander (this loan wasn't even on my file until I cca'd them).


It's been months now and I've not heard anything from them, I can't understand why they are not pursuing this. I've not made a payment to them for 6 months (when Apex said they were closing my account).


Should I contact them to try and sort out a repayment plan, or just keep waiting for them to come to me? I would like to have a bad but improving credit file rather than a permanently bad one (which is what I have at the moment with this 10k there).

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