Santander £55 default on basic account

[needout23]

Hi All

 

 

I had a under 18s account with Abbey in 2004 which was then upgraded to a basic account when I was 18 in 2006. I then stopped using the account around 2010.

 

 

Recently I checked my credit file and noticed a default from Santander for £55. I called to enquire as I assumed these accounts were now dormant due to them not being used in so many years.

 

 

I was told that they were defaulted in 23/3/2012 (I don't recall recieveing a notice of default) and that it was due to an unpaid DD on my basic account and another on the Under 18 account. Neither had credit or overdraft facilities btw.

 

 

I sent a complaint and recieved a call the following day saying that instead of being upgraded my under 18 account wasnt closed and another account was opened and as they are unpaid DD fees I still have to pay them.

 

 

Ideally I would like to get this wiped off my credit file completely as I am preparing to buy a house and this is completely tarnishing my credit file, dispite the small amount.

 

 

Could anybody advise as to how I can go about doing this?

[maroondevo52]

Hi,

 

Sending a Subject Access Request would let you know the score regarding both accounts, if there was a balance due on any of the accounts they would not be closed.

Once you get the information regarding both accounts you can then work out where to go next.