thanks mate

gaz

hi

after going through my statements for my court bundle, i noticed i had missed a charge from last year ! and on this month ,cos i went overdrawn by a few pounds, i have incurred another £75 of charges !! god they never stop do they ?

has anyone amended their claim at this late stage? ( my bundle has to be in soon) i dont know if its best to amend my claim after my bundle has gone in, or make another claim when this 1 is sorted, as by then ill prob have another few hundred pounds to claim 1

thanks

gaz

hi try and keep to one thread if you can

there is a form to change your claim - but I am not sure if you can do it after bundle is completed - i think it costs £35.00.

try and find out if there is anything on Michael brownes a-z index which I have referred to in other threads.

Jansus:)

Just bear in mind that the £35 fee for amending is not reclaimable.

If you think you'll have more charges to claim in future anyway, you may think it's worth waiting and starting another claim. 8)

i am in exactly the same boat, the t******* s****s( at least dick turpin wore a mask) have charged me £34 for a failed direct debit of £11. i am going to include the letter stating it in my court bundle. since i started my claim in the court i have accumulated a small amount that i will be making another claim for

yes

i think ill make another claim, fingers crossed- it will be so much easier next time. you think they would sort themselves out rather than keep risking interest and court charges

gaz

Hi max2001. You'd be advised to edit your post above as the CAG frowns on use of language that could be considered libelous - it could get them into trouble.

Don't worry, we all have our own way of thinking of the banks, so there is no need to be graphic, just a few ***'s will convey your feelings just as well. 8)

****** *******- or those awful people at a certain high st banking institution

you decide

he he he

gaz

He he he!

Attached, in case anyone wants to cross refernce or similar

santan112.pdf

If anyone needs to cross reference their CCA reply from Santander find mine below

santander agreement loan 2010.pdf

FWIW that appears to be enforceable

though strange the default fees are not £12.

as Fsa [now FCA] ruled on that in 2006

dx

where are the T&C's

again the charges are wrong by FCA rules

so who says that's enforceable?

dx

? dunno, what should the charges be?

not sure id risk a court charge on that tho?

court charge?

there should be pages of T&C's with a CCA return.

were there any?

can w just confirm

this debt is still being paid to satans bank

not a DCA?

dx

What i meant was you said "who says thats enforceable"

and i was saying in reply i dont know if it is or not but i wouldnt risk them taking me to court over such a thing

(what i assumed was a small thing)

no, ive shown any paperwork ive received,

1 reply had just 2 sides of a4,

1 had 4,

1 had 3 which was the creation one

yes this debt is being paid to Santander according to my payplan account

Creditor History

Creditor Name Account Name/Number Date Transferred Abbey Plc

07/09/2010 Abbey Plc

21/09/2012 Alliance & Leicester Personal Finance Ltd - 2nd Charge

21/09/2012 Santander UK Plc

15/03/2013

....

Creditor History Creditor Name Account Name/Number Date Transferred Santander

28/06/2010 Abbey Plc

02/07/2010 Abbey Plc

21/09/2012 Alliance & Leicester Personal Finance Ltd - 2nd Charge

21/09/2012 Santander UK Plc

15/03/2013

So do i need to write to them and ask for the t&c's or what?

thanks

well as its still with the OC

and you are paying it

i'd let things run.

have you been getting regular statements?

Yes they send regular statements,

ive saved some money thanks to your advice, just a pity i couldnt tell them all to feck off

yea know the feeling!

no penalty charges yet?

not that ive noticed but i got a shock when i saw a month ago they had been adding interest of nearly £1000!

They can't add more than what int is stated on the agreement

Unless their t&c's say so

And you haven't got those

open

thanks

so ive just had some letters come from Dryden fairfax solicitors, im not going to reply but just to jog others memories - DX loked through the paperwork i had received and he said it did look enforceable even though there were very few t&c included in their CCA reply to me

so should i just sit tight until they start court proceeding -thats if they do?

thanks

Still paying?

Still with satans bank?

What are these letters??

Dx

not paid for about 4 years now, i still get letters from Santander regularly though

the letters basically say " we aresolicitors instructed by our client, to obtain repayment of xxxx ..... or to take appropriate recovery action"

reply by early Feb

i assumed that as Santander hadnt been chasing me for 4 odd year that they knew their CCA docs wasnt as required for  court action