Santander CCA return on old abbey MBNA card - reconstitued?

[bright_future]

Experian will send you a report for the £2 stat fee but takes upto 7 days

 

will try and update when info arrives.

[bright_future]

got the Experian thing.

actually, the report seems strangely short!

I remember getting one years ago, and it seemed to go on forever.

 

there are no references to the santander / mbna account.

there are no accounts showing an outstanding value near the value of the monies robinson way are referring to.

 

since I cant find any evidence of the account on experian, do I have to get the equivalent from equifax?

[dx100uk]

clearscore?

noddle?

[bright_future]

I dont rate clearscore.

I find it to be style over substance.

I find the info very low value.

 

noddle: have just checked. not a single reference to this debt.

The numbers a very similar to a Santander annual statement I get.

So I suspect its them.

Can I assume its one that the default date has gone over the 6 years?

Having a look at all my "defaulted" ones, the dates are all mid-late 2010.

So it seems to be around that ball-park.

 

I am pretty sure some previous report showed one account as "satisfied", but cant remember what company provided that.

I guess I need to just take a breath and hope I can reach 2017, by which time most will drop off the credit reports?

I dont want to rock the boat so close to the cut-off.

 

I am such a dummy.

There is a tab for "Closed Accounts".

Its there as "closed".

But it isnt.

Guessing, from Santanders perspective, they are done with it, having sold it off.

Its a question of who they sold it off to. The solicitors, who havent contacted me since, are probably not the owners, but acting on behalf of someone else.

I guess I just let things remain quiet?

[maroondevo52]

have just tried clearscore.

It seems useless to me.

Just generic high-level info, and a "dashborad" graphic.

I cant find anywhere where I can get a download of my report!

 

NB: the only tab that seems valid id the "overview" tab.

I find clearscore pretty much useless, as it seems to give no meaningful or useable info.

am I looking in the wrong place?

 

When on the 'Dashboard' click on 'Overview' then Accounts, you will see your open Accounts and you have an option to view your closed one's.

 

Have to say they don't show any closed accounts on mine ?

[Nihilus]

I dont rate clearscore.

I find it to be style over substance.

I find the info very low value.

 

noddle: have just checked. not a single reference to this debt.

The numbers a very similar to a Santander annual statement I get.

So I suspect its them.

Can I assume its one that the default date has gone over the 6 years?

Having a look at all my "defaulted" ones, the dates are all mid-late 2010.

So it seems to be around that ball-park.

 

I am pretty sure some previous report showed one account as "satisfied", but cant remember what company provided that.

I guess I need to just take a breath and hope I can reach 2017, by which time most will drop off the credit reports?

I dont want to rock the boat so close to the cut-off.

 

I am such a dummy.

There is a tab for "Closed Accounts".

Its there as "closed".

But it isnt.

Guessing, from Santanders perspective, they are done with it, having sold it off.

Its a question of who they sold it off to. The solicitors, who havent contacted me since, are probably not the owners, but acting on behalf of someone else.

I guess I just let things remain quiet?

 

They aren't obliged to report to CRAs so the new owners may have opted not to, they often won't with unsecured debt.

 

When you say Robinson Way are chasing the debt, what have they sent you? And what have you sent them?

 

If it looks like they're litigating, and they can with a reconstituted agreement, then it's probably because it is (or was) nearing the statute barred point. If you've responded acknowledging the debt this will reset the six year timer.

 

My experience with litigation on unsecured debts is relatively limited, but if they send you anything that advises they are going to proceed with litigation action after a set period then contact them. They are FCA regulated and they won't send a letter before action unless they actually plan on proceeding.

 

If it uses uncertain language like "we will review your account for litigation action", then you could probably ignore it if you really don't want to pay the debt. If this is the language they are using then they're probably just bulking their borrowers and fishing for responses.