Santander has written to me to tell me that due to a historic system error, they didn't send me a Notice of Sums in Arrears and owe me in the region of a couple of thousand pounds that includes stat interest at 8%.
The card was opened in 2010 and was closed down presumably a few years later. I've heard nothing for over 6 years. (It is definitely a statute-barred debt) There is nothing on my credit file. I've had no letters regarding it.
The issue is that they are offsetting the refund against this historic balance.
I realise that I owe/d them the money but the credit card debt was presumably written off years ago.
Is there any way that I could get them to send me a cheque instead? I am on a low salary so it would be very helpful.
Thanks for any helpful advice in advance!
The card was opened in 2010 and was closed down presumably a few years later. I've heard nothing for over 6 years. (It is definitely a statute-barred debt) There is nothing on my credit file. I've had no letters regarding it.
The issue is that they are offsetting the refund against this historic balance.
I realise that I owe/d them the money but the credit card debt was presumably written off years ago.
Is there any way that I could get them to send me a cheque instead? I am on a low salary so it would be very helpful.
Thanks for any helpful advice in advance!
Comment