santander debt letter

[CHEEKYBOY67]

Hi, I need some advice please.

 

I got into some debt problems back in 2006,

 

 

I took out an Iva in nov 2006,

three months later I lost my job and the Iva failed Feb 2007.

 

 

I moved home shortly after and I haven't acknowledged any of the debts since Feb 2007..

 

 

I don't if I had any Ccjs from any of my creditors,

 

 

yesterday I received a letter from Santander saying I had defaulted on my loan,

the account details sort code etc were from Alliance and Leicester who were one of the creditors on the failed iva.

 

 

The date on the form from Santander had November 2014 as the loan date,

they have charged interest to the account.

. Were do I stand on this?

 

 

What course of action would you advise?

 

 

Thanks

[dx100uk]

from satans bank or a DCA?

 

 

is this on your credit file still?

see noddle below.

 

 

it certainly sounds like its SB'd

 

 

dx

[citizenB]

You should send a Subject Access Request to Santander - you need to establish the start up date of the Loan and the last time any payments were made toward it.

 

If the loan was in fact part of the IVA, then there is obviously a mistake somewhere and I would imagine that all the debts that were in the IVA are statute barred by now ?

[CHEEKYBOY67]

the letter was from Santander, checked on NODDLE and its not on my file.

Just thought it odd that I suddenly get a letter from Santander .

 

 

Thanks for the advice