Evening all, I'm after some advice and please forgive me if this has already been answered. I'm using my mobile and it's not too easy to navigate/search on here to see and it's been many years since I last posted on here so I'm a bit out of touch with processes/etiquette. I've received a letter from Santander relating to a PPI claim that I opened quite some time ago and didn't proceed with. I was told at the time that there is no records relating to my account because of its age. The credit card was taken out with Alliance & Leicester very early 2000 and was taken over by MBNA in March 2003. I had a few cards, the repayments were gEttington to the stage where I had little left over after paying the minimum amounts on all of them and then ended up living on credit at the limit but was still able to pay the monthly payments. Then the company I worked for at the time closed down over night owing me a months wage and missed payments. I found work but not soon enough for the late payment charges and interest to escalate. I then entered a debt repayment program with Baines and Ernst chipping away at approx £16k of debt. I had PPI cover on all my cards (and loan) because I was foolish enough to think I would be protected. When I was out of work I tried to initiate the cover but was told that because I wasn't on JSA I didn't qualify (the amount of time I was out of work and then back in employment wasn't worth signing on but did mean I had to wait two months before any money from employment came in). They all told me this about having to sign on JSA and didn't want to quit my new job so hence the repayment program. So today, this letter states that they still hold no evidence but "have recently undertaken a further review of our process and guidlines, and this means we are now able to calculate an assumption redress offer". Their offer is £48.89! I'll have to have a hunt for a statement or any mention of th card balance, but that offer does seem very unfair considering A&L were one of my biggest creditors (£4k plus) and we're one of the most brutal when it came to Debt Collection. This is how they've calculated it A: Full refund of PPI payments: £25.08 B: Interest paid by you on the above: £0.56 C: Lost interest on cash unavailable to date: £29.06 D: Income Tax Deducted @ 20% = 20% x C: £5.81 E: Net interest paid to you = C-D: £23.25 F: Net offer to be paid to you = A+B + E : £48.89 Any advice on what steps I should take would be extremely appreciated.

Depends on how you define payment acknowledgement. If you mean have I been making regular payments and been in contact with them to discuss it then yes. Another quick update to this thread. I received a letter from them saying as requested they've attached a copy of a "recent" credit agreement that applies to my type of account. So not the original CA and doesnt have my signature either. So I'm guessing unenforceable? It also doesn't contain a list of my account activity, payments/charges/interest etc that I requested at the same time (SAR?) What's the next stage of action? I know there's another letter that should be sent but everytime I try to access the library it keeps asking me to sign in (which I do and then asks me to sign in again and again lol). If someone could post a link to the followup letter it would be much appreciated

Just a quick update on this. Have sent off my CCA today, recorded delivery and postal order of a pound enclosed. All typed and not written, nothing signed by myself. However has been sent to a PO Box address but its called NDR Payments so I think someone will sign for it eventually thinking there's a cheque in there. I've decided I'm going to do the same to other creditors that use DCA's who are threatening or use underhand techniques, the next being ARC Europe Ltd acting on behalf of Egg. They started out very friendly and polite to begin with, accepting my offer of payment etc but had a call from a rude rep who called me using a presumably company mobile because apparently they were having technical problems with their phone system. Tried to argue that I hadn't sent the payment for the beginning of July which was pre payment plan setup. I explained to him that the plan only started at the end of July and the first payment was scheduled to be made at the beginning of August (which was paid). He then interrupted me with "Have you finished talking? Are you done?!?" so that he could begin lieing again. To which I replied "Yes I'm done" and hung up the phone. I will not tolerate rudeness. Be careful of ARC Europe Ltd folks, this is a new tactic to me, sounds like they're trying to get extra funds by saying payments havent been made for periods before payment plans have been put in place. So they're next on the CCA list.

Hi thanks for replying! Great advice. No I haven't asked for a copy of the agreement yet. This is one of the smallest debts I have (and they're making the most noise, typical). I've read conflicting information about requesting the CA so was going to hold off until I know more about it. All of my debts are at least 9/10 years old possibly older. Should I go ahead with the request?

Hi, Really struggling to keep my cool with this bunch of cowboys so any help on the matter below would be really appreciated. I've completed my Financial Statement and it works out that NDR (on behalf of Kays £80 debt) would recieve £1 a month (it's actually less but I rounded up). I previously received a letter saying that unless full payment or an acceptable offer was made within 7 days then legal action would be taken. I called NDR and they refused to accept a payment of £1 a month and refused to view my Financial Statement (Calculated using CAB's website) unless its completed by a Debt Management Company (I've continued making the payment regardless). As a result of their refusal to accept the offer and refusal to view my financial statement I requested they no longer call me and that all communication should be made in writing. I received a letter today entitled Pre-Escalation Notice stating "I have attempted to contact you on numerous occassions regarding the overdue payment on the account....As a result we have applied a £12 admin fee on your account due to the substantial amount of effort I have made in trying to contact you" The letter today has been the only written communication since the last phone call when I requested they no longer communicate by telephone. I called them today and asked them how they could have gone to considerable effort trying to contact me when the admin fee letter had been the only communication since the last time I spoke to them. They said the fee was for taking my number off of their dialing system and that's the standard letter. Not only is that a rediculous fee for pressing delete on a keyboard but also makes the information in the letter false. I'm pretty sure that all communications have to be trueful, accurate and not misleading. If I'm being charged a fee for something then shouldn't it state clearly what that fee's for? Otherwise they might as well state the fee's for making me cupcakes because that didn't happen either! Also as it's Entitled "Pre-Escalation Notice" shouldn't the letter refer to the Escalation rather than a fee as there's no other mention of Escalation? Their first letter was saying action with 7 days was also false. When they wouldn't accept my offer of payments and I refused to make full payment I backed them into a corner and said "So legal action would be taken in 7 days then?" they said no it could be months and have charges applied. Sorry it's a lot of questions but again any help would really be appreciated. Thanks,