> Online application - What happens next?
> Phone application - What happens next?
> I haven't received my confirmation or decision email
> I haven't received a letter or a credit agreement
> I don't have the address to return my identification / information to
> Why can't you open an account for me?
Still can't find the answer you're looking for? Check the complete set of Frequently Asked Questions
These emails will be sent to the email addresses entered in your loan application form. Check your email browser and settings to ensure that our emails haven't been blocked from your account. If you're unsure, you can call on 0845 603 3507* between 8am and 8pm Monday to Friday, 8am and 6pm Saturday to check the status of your application
We will send your letter or agreement by first class post. If it's been more than three working days and you still haven't received a letter then give us a call on 0845 603 3507* between 8am and 8pm Monday to Friday, 8am and 6pm Saturday and we'll track your application for you. Remember 'working days' do not include Bank Holidays and weekends.
All identification can be sent back to us freepost to:
Santander Account Openings
9 Nelson Street,
Please do not send valuable originals such as passports and driving licenses through the post and ensure that the document(s) are photocopied on both sides and returned to us with your reference number, name and date of birth written on the back so that we can match it back to your application.
Our decision not to provide you with a Personal Loan was made by using a system called Credit Scoring. Credit scoring takes into account information you have provided to us, any we may already hold about you and any obtained from credit reference agencies.
If you would like to know more about the decision process, you may want to read our leaflet; Your application and credit scoring
If you'd like a copy of the information held about you by the credit reference agency, you can contact them at:
Experian Credit Report Services
Credit File Advice Centre
Bradford BD1 5US
Consumer Services Team
Leeds LS3 1WZ
You will need to give them all the names that you've been known by, along with your date of birth and details of your current and previous addresses for the past 6 years. If you contact any of the agencies, please note you need to ask for your statutory credit report and each bureau charge a nominal fee for providing this.
Please be aware the information provided by the credit reference agencies is only one part of the decision-making process. Sometimes, there may be no detrimental information held about you at the agency but we may not be able to accept an application simply because it does not meet our current business criteria.