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Thread: Santander 566 Pound charges dating back to 2011 help!!!

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  1. #1
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    Default Santander 566 Pound charges dating back to 2011 help!!!

    I am trying to sort my credit rating out so went online to view my credit file to find,
    my old Santander current account I have defaulted on since 2011.

    I was in the military so moved around a lot and was oversea, had my bank letters go to my grandmothers. I stopped using the account when I left the army and my grandmother moved house, I did not cancel one direct debit ( I think it may have been life insurance while I was in the army ) and since then I had fees put my account each month. ( found out as I phoned them today to get it sorted)

    so the 566 I owe them are just fees for failed direct debits.

    on the phone the guy basically said wait until November and it should be wiped of as this will be 6 years.

    is this true,

    every month it show I have defaulted with Santander from 2011 every month.

    I know it is my responsibility to manage accounts but I was young and did not think about closing the account thought I may want to use it one day.

  2. #2
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    Default Re: Santander 566 Pound charges dating back to 2011 help!!!

    statute of limitations in england/wales no acknowledgment of debt within 6 years or 5 years Scotland

  3. #3
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    Default Re: Santander 566 Pound charges dating back to 2011 help!!!

    Quote Originally Posted by Dominic1990 View Post
    on the phone the guy basically said wait until November and it should be wiped of as this will be 6 years.
    who did you phone?

  4. #4
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    Default Re: Santander 566 Pound charges dating back to 2011 help!!!

    I contacted Santander direct,
    And they said they have handed it to collections agency a few times but keeps coming back to them.

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