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Santander mistake lead to default....

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I applied for a Santander account in early last year and had my account switched from another account.

 

Everything was going fine until my first payday in April when the bank made a mistake and paid me £3300 instead of £330.

 

Being the beginning of the new tax year having a moment of pure impulse buying after seeing my bank balance I (stupidly) went out and booked a holiday as I assumed this was a tax rebate that I was due.

 

So cutting to the chase the mistake was rectified and left me £1200 overdrawn and as I couldnt pay it back at the time ended up with a default on my credit file.

 

The balance has since been settled through a DCA but i'm wondering if I have got any chance of appealing to have the default removed off my file as i'm now in a position to buy a house and is going to affect me getting a decent mortgage.

 

I know it was my own fault for spending the money but if it wasnt for the banks mistake in the first place it never would of happend !!!

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Hi There,

 

if you got a proof that you have settled this amount then you need speak to credit reference agency.

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Thread moved.


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Not sure where you you stand, you didn't pay money back in time you knew wasn't yours in the first place, if I expected £330 and £3300 appeared I would know it was a mistake and wouldn't spend it, you took a gamble that you could get free money and it backfired.

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Hi, the default is unlikely to be removed I think

as in using the money wrongly posted to the account

without questioning what would be a material difference

to the normal operation of the account which should have been

immediately queried.

There is no point in contacting the CRA they cannot

unilaterally remove the entry.

Your only chance maybe is a formal complaint to

the bank regarding the original error.


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you could submit a FORMAL COMPLAINT but I am afriad youa re in the wrong not the bank so you might be causing yourself unnecessary stress?


:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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