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I lived in Spain until 2008 and had 2 investment properties being rented out.

 

When the market Crashed in 2008 I abandoned them and moved to Thailand.

 

I've been back in the UK for 2 years and have good Credit with a Bank Credit Card and 2 arranged Overdrafts all well serviced.

 

I applied for a lease car this week and was turned down for Credit. So I re-registered for CreditExpert and low and behold the Spanish Bank has issued a default for these properties. But the Default was issued in Dec 2012 a full 4 and a bit years since I stopped paying the Mortgages.

 

Firstly I didn't think a Spanish company could put a default on my UK Credit file. And secondly I know they can try and enforce it here but the costs for them might outweigh it.

 

I would obviously like to get it removed from my Credit File or at least put a notice of correction on my Experian report what would my options be for either please?

 

I have not been in Spain since 2008 and had no other assets or money there so there is no way I could have been making the payments till 12/12

 

Also the default is registered at an address in the UK I sold in 2006.

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Phone Experian and query whether Spanish debts can be registered on your UK record. I don't think they can do this, unless you agreed to allow this when you signed up to the mortgages.

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Thanks for replying I've just spoken to them and they are going to contact the Bank on my behalf to request the signed Authority by me.

 

I don't think I ever gave them any such Authority. And if they provide anything I'm sure it will be a forgery.

Edited by yellowking
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Thanks for replying I've just spoken to them and they are going to contact the Bank on my behalf to request the signed Authority by me.

 

I don't think I ever gave them any such Authority. And if they provide anything I'm sure it will be a forgery.

 

Just wondered which bank is this? I want to keep my finances in each country as separate as possible.

When I took my Mortgage out they couldn't check my file and nothing shows at present.

The problem will probably be that the mortgage application would have been in Spanish and the english translation has no legal status. Also did you sign it yourself or did your solicitor sign it with Power of attorney?

Take care

Jon.

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  • 2 weeks later...
Just wondered which bank is this? I want to keep my finances in each country as separate as possible.

When I took my Mortgage out they couldn't check my file and nothing shows at present.

The problem will probably be that the mortgage application would have been in Spanish and the english translation has no legal status. Also did you sign it yourself or did your solicitor sign it with Power of attorney?

Take care

Jon.

 

UCI a part of Santander.

 

They responded to Experian to say their information was correct so I have sent them a letter by signed for post asking for the signed agreement. Under the standard CCA letter they have 12 working days to respond. As it's a UK Credit report it should be bound by UK Law.

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