Hi all
I need a little advice on something that cropped up on my credit report awhile back. After noticing a default being registered from Hoist Portfolio Holding 2 Ltd for an alleged debt for £3,194.00 I entered a dispute with the credit reference agency to gather further information (Noodle.co.uk) I was told it was for a Santander account.
Firstly I have never had an account with that bank or any financial association in any form at any time. The claim is the account began in 2004 and defaulted in 2011. This is blatantly untrue as previously stated I have never had an account with this bank and certainly not during this stated time period. I did however have an account with the Abbey National Bank, but I'm sure I left that bank in 2000, and certainly never had a debt that I can ever recall. I know Santander took over Abbey National in 2004 (after doing a little research), however I had left the Abbey long before this happened.
I have since just received a letter from Robinson Way stating I owe this money and that it is for a Santander account. I deny I owe any money to Santander on the grounds I have never held any account with them and the nearest association I can reasonably find is from the Abbey National Bank which I left in 2000. Surely this debt doesn't exist, nor can I be harassed for a statue barred debt that is over 15 years old (if it even exists in the first place).
Is there any action I can take that will get this default removed from my report, and also any action I can take against Robinson Way for maliciously damaging my credit report?
Many thanks
Phil