No Notice of Default-Credit file not repaired

[vacma373]

Hi

Santander added default to my credit file although they only sent my ex a notice of default. When pointed out to them, they admitted in writing it was entirely their fault and removed my default marker.

 

Problem is the other account holder, whos default Santander insist has to stay, is dragging down my credit file. Worse my mortgagor has revoked the portability of my mortgage as my ex is still on it.I regard this as obscenely unfair as had I been served a notice I`d have paid up and none of this would be on my file.

 

Santander don`t want to know, none of the CRAs will dissasociate me from my ex (whom I get on well with and is actively helping me). The Default has 3.5 years to go,I`ve contacted the Ombudsman, just wondered if there`s any other levers I can pull or if I`m just wasting my time.

Thx for any advice

[dx100uk]

why won't they dis?

 

dx

[vacma373]

Hi Dx

Thanks for interest. Their position is that ok I wasn`t served with a notice of default, however my ex was, "And it is therefore our duty to warn other lenders that he is a bad credit risk". They`ve effectively closed down the complaint and sent me the Ombudsman kit.