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In March 2013 , Santander sent me a S87(1) Default Notice for a current account. I think the date was 5th March but without digging through the files I can not be sure as the letter was undated, however in a letter dated 6th March 2013 they said they would file a default with the CRA's . That was done and is long gone from my credit file. I actually think the DN might be bad as it just said the clause which says you must repay (as opposed the to specific clause number) and also 14 days from service as opposed to a set date but if asked I would say it was a good DN :-)
There was a dispute ongoing but the FOS rules against me by the end of 2013 and since then there have been no communications from me. However, every year I get a statement of account- the opening and closing balance are the same and also match the balance on the DN. I also get the odd email and letter about changes to T&C's.
I have always assumed this debt is long since SB and I just file these letters. As I am a ducks in a row kind of person , anyone got an opinion- am I correct and are Santander just sending me paper for the sake of it?
The account has never been sold although passed around the usual suspects, RW and Wescot and even Moorcroft all ignored.
Any thoughts just to put my mind at rest.
There was a dispute ongoing but the FOS rules against me by the end of 2013 and since then there have been no communications from me. However, every year I get a statement of account- the opening and closing balance are the same and also match the balance on the DN. I also get the odd email and letter about changes to T&C's.
I have always assumed this debt is long since SB and I just file these letters. As I am a ducks in a row kind of person , anyone got an opinion- am I correct and are Santander just sending me paper for the sake of it?
The account has never been sold although passed around the usual suspects, RW and Wescot and even Moorcroft all ignored.
Any thoughts just to put my mind at rest.
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