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Fastest way for Santander to correct my credit history


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In November we applied for a DIP for a mortgage with a "soft" credit history search and surprisingly it was declined.

 

naturally we checked our credit history and found 2 things,

 

firstly Experian could not find my records as Flat 8 is recorded as Flat 5-16 at the Royal Mail and

secondly I have a string of missed payment marks with a closed Santander account which was unexpected.

 

I applied for a different more expensive mortgage DIP with a "soft" credit check and got it and started looking for a property.

 

In the meantime I sorted out the address issue with Experian and then looked into why I have 7 or so missed payments with Santander.

This was a student account with an interest free overdraft and on occasions Santander decided to charge me interest

which put me into unauthorised overdraft around 7 times over the space of 2 years.

 

At the time I had all interest charges and fees refunded and thought nothing of it other than it was time to leave Abbey/Santander.

 

in December I made a complaint with Santander and sent a letter with a table listing every missed payment mark explaining why it is incorrect.

 

All of the dates on the credit history do not match with the events and are in some places 6 months out.

 

Late last month I put an offer in for a house which we just could not miss out on.

Best thing about the property is that the executor has applied for a probate which will take around 3 months to complete

I thought I had plenty of time to sort things out with my credit history.

Turns out that as of this week we have been informed the probate will probably be granted in 3 weeks and I need to proceed with the mortgage.

 

I have been chasing Santander since I put the complaint in December and

now have a direct number to my complaint handler which is great.

 

However I get the impression that Santander are doing their best to ensure this takes as longs as possible.

She keeps contacting various departments and most recently the credit history department confirmed that my credit history is correct!

The dates are about 2-6 months out and all charges were refunded as it was not my fault!

 

My complaint hander at Santander has now contacted another department, with no resolution date.

 

As we really should should be continuing with my mortgage application I really need to get my credit history sorted ASAP.

I have made Santander aware of the situation but they do not seem to be taking it seriously.

 

Does anyone have any tips on how to talk Santander into sorting my credit history out quickly?

 

As a cheaper mortgage is about £70 less a month

this could turn into a costly issue over 2 years fixed rate.

 

After speaking with my mortgage advisor I have been informed that the only cheaper mortgages available today for us do not do "soft" credit history searches.

If Santander do not sort the credit history out I am tempted to risk applying for a cheaper mortgage now that my address issue has been resolved with Experian,

but if it does get rejected it will get recorded on my credit history

but I still have the valid DIP for the more expensive mortgage.

Even with the missed payment marks both of us have excellent credit histories.

 

Thanks in advance.

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you might be able to speed them up by going to the FOS

 

or

 

the ICO>

 

you can ring the FOS and have a chat, that might just work.

 

the ico will prob want to do an investigation knowing them first.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Were there actually late or missed payments on the account?

Can tell us what actually shows on the CRA report.

It may be a good idea to check Equifax and Call Credit CRAs too.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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