Right of offset

[Matty B]

A general question. Many years ago I had an account with Santander. It was defaulted maybe 12 years ago with no acknowledgment since. About every 6 months I receive a statement although it might be longer since the last one. I have been offered a Santander CC ( subject to final checks) but wonder if I did get one, could they then offset payments to this credit card against this supposed debt.

I can cope without the card - just wondered

[echat11]

A general question. Many years ago I had an account with Santander. It was defaulted maybe 12 years ago with no acknowledgment since. About every 6 months I receive a statement although it might be longer since the last one. I have been offered a Santander CC ( subject to final checks) but wonder if I did get one, could they then offset payments to this credit card against this supposed debt.

I can cope without the card - just wondered

It would be statute barred, providing no payment or acknowledgement in writing in writing over the last 6 years (and no CCJ).
What exactly does it say in the T's & C's regards offset.
Say they did, you would raise a complaint and take the matter to the FOS.

[Matty B]

I haven’t yet applied. Of course SB in England still means it is collectible just not enforceable. I will have a further look.

[atticus]

Offset may be possible. Why not get a card from another provider?

[Matty B]

I did apply for a card and it was set up. They gave me my existing user number. When I logged in my old current account was gone but there was an everyday saver in there with a huge 4p balance. Odd how that was never used against the other account. I will decide what to do- I might cancel the agreement as frankly I have a lot of available credit on my various credit cards