Santander Default Notice, confused

[bloodline]

I have a Burton card issued to me in late November and paid all the outstanding amounts on it by phone on the 13th of December.

 

The Santander officer informed me by phone that my outstanding balance on the account was zero at that time.

 

Immediately after, i went on holiday and wasn't back till 25th of January.

 

By the time i got back, i found letters from Santander telling me i have late payment charges on my account,

for which a default notice had been issued.

 

I settled this late payment charges on 30th of January, but I am worried that this may now have a long term impact on my credit report.

 

What are some options available to me to have this default notice removed from my file?

[dx100uk]

if its solely THEIR charges that have caused it

 

get reclaiming

then the defaults MUST be removed.

 

dx

[bloodline]

Thank you very much for your response.

 

Yes, it is solely their charges that have caused the default notification, nothing more.

 

Can you please recommend to me how i could go about reclaiming these charges?

[dx100uk]

see no.3. below

 

have you actually checked your cra file

to see if you did get a late payment marker?

 

dx

[bloodline]

Thank you very much for this, I am becoming really distressed over this issue.

 

I have just gone through the links beneath your post and i found the third link very helpful to my case.

 

I am still awaiting a report from Experian on my credit file, i will take action immediately afterwards and make sure i update this thread.

 

Thank you very much again.

[dx100uk]

you might also find a cobs complaint useful.

 

dx

[bloodline]

Thank you again for your help. Do you recommend that i should include in my first letter to them, that i not only consider the charges unfair, but also they may be in breach of their statutory duty of communicating with their clients in a way that is clear, fair and not misleading.

 

7 Communications with clients A firm must pay due regard to the information needs of its clients, and communicate information to them in a way which is clear, fair and not misleading.

 

I made all outstanding payments by 13th of December on the phone, i also secured assurances from the person whom i spoke with, that my account balance is now zero. At this point, no one explained to me that I may have incurred late payment charges on the account. The bank's first correspondence to me was dated 17th of December, stating a notice of default due to late payment charges of 12.50.

 

When i called the branch yesterday before putting up this thread, i spoke with someone who sounded so angry and rude. He insisted that my due date for payment was 12th of December and given that i paid on 13th of December, they wouldn't have known of the late payment charges on my account at that point. He insisted there is nothing he could do to help me and he wouldn't refer me to someone who could.

 

I am honestly willing to go all the way with this and ensure my records are set straight. It appears there's really nothing to lose by fighting, giving up will be a big mistake. I really appreciate all your help with this issue