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

[Dominic1990]

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.

[MIKE770]

it is not true in 2020

old thread 2017

[Dominic1990]

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.

[Debt Camel]

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

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?

[MIKE770]

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