Santander Current Account showing bad history Statute barred?

[ConsumerMark 1]

This is a strange one, hope someone can help.

 

I took advantage of an offer to switch current accounts for circa £100 in May 2009.

 

I filled in the forms, my salary and debits moved across.

 

The problem was that Santander did not agree to match my existing overdraft (£500) and didnt communicate that the overdraft had not been granted but moved my finances over anyway. So I quickly moved back to my previous account and requested that Santander close the new current account.

 

I recall speaking to a manager on the phone, who agreed to close the account with no charges and in exchange they would not pay me the £100 switching fee. They admitted that they should have communicated better and did not make me aware that any adverse credit history would be reported.

 

However, I have downloaded an equifax report to discover that it is still showing as late payments from May 2009 until it was settled in November 2010. Note, this doesn't show in my noodle report.

 

I am thinking that as I have not used the account since May 2009 it would be SB and should be clear from my credit reports, is this correct?

[fkofilee 1,302]

I'd complain and SAR to get facts first.. Why did it default? Maybe I'm missing something

[ConsumerMark 1]

To be honest, I am not sure, it doesn't make sense.

 

They claimed that I had incurred unauthorised overdraft charges but agreed to clear this as they felt partially responsible for the error.

 

SAR and £10 to them to find out?

 

[dx100uk 8,847]

sb and it showing or not on a credit files has no relevance.

October this year it should clear

it s not harming your score either

[ConsumerMark 1]

I wont worry about it then.

 

Thanks both.