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Applying a default to my credit file despite arrangement to pay in place

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Hi all,

 

I have had an arrangement in place for five months now to pay off a Santander credit card, I received a letter last week from their collections department advising me that as I am experiencing financial difficulties and therefore wouldn't be making full payments on my account, I had breached my agreement and therefore a default is to be registered.

 

I wrote to Santander to challenge this, to which their complaints department replied (with one or two slight grammatical errors, so presumably handwritten) saying that I'd received nothing more than a standard letter which is generated every 3-6 months to inform me of the state of my account and are nothing to be concerned about.

 

The letter goes on to confirm that I have an arrangement in place (that has been paid on time, every time, as agreed), but that a default will be placed on my account as I have an arrangement in place with Santander and that this cannot be stopped.

 

If I am making regular, albeit reduced payments that they have agreed to, then surely it isn't right that a default should be registered? I was under the impression that defaults were for complete failure to pay.

 

The letter I received seems to contradict itself.

 

Any help would be appreciated.

 

Thanks.

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sadly they are correct

 

 

you ae not paying the contracted rate.

 

 

however the default should be placed as the date of the arrangement

or the first month you miss the first full payment.

 

 

dx


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