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    • Participants can get £50 - but must permanently consent to the retailer using their personal data.View the full article
    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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In financal hardship - sent letter to santander reclaiming bank fees - they called!


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Hello,

 

I posted on Saturday a letter to Santander reclaiming over 2 k of bank fees (template from this site) .

 

It contained a paragraph in which you say what has happened

- lot of death in my family and lost biz too.

It was a very painful letter to write. (I kept it just a paragraph).

 

Today they texted me they had been trying to call me and to call back.

 

I hadn't answered since I am avoiding calls from anyone (not in a good place).

I feel sick.

 

Do I have to talk to them?

I don't think I am strong enough to hold it together on a call

(now my keyboard is wet).

 

Kicking myself. :(

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nope you don't have to talk to them

writing only.

 

 

how did you calc what you were owed

and did you include the interest these have cost you?

 

 

or just sent the hardship reclaim letter

 

 

what type of account is this?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you.

 

Thats good, the lady also left a message

asked me to call her and gave her number..

 

..is she more likely to give back money if I speak?

 

Ah jeez, I would feck it up and it means so much to us.

 

Also I know I am not 5 years old but the thought of someone shouting or being mad, I just end up in the loo.

Sorry have become pathetic and useless..

 

Sorry, the letter template was from the money saving expert sites and yes I put in fees and interest.

Its a current account.

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so you had al the statements and used a spreadsheet to calc the total refund under hardship?

 

 

you certainly don't ring them

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thanks really thanks

phew

yes because the statements are online so i was able to pull off the charges and used the calc thing on money saving expert that adds it up. So just ignore her message?

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Darnit... My honest advice is if it is a complaint, it might be worth talking to them because they may just shut it down with no contact... However if you do speak to them - record your calls all the way...

Thats my opinion but at the same time you are free to do as required :)

 

I just think make sure you get everything that is said over the phone in writing. (Under a complaint for Financial products - They are required to detail their investigations in the below format)

 

- Intro

- What you complained about

- Initial findings

- Further investigation

- Resolution

- Compo if required

- FOS rights

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Hmmm... don't get your hopes up... I wrote to Barclay's on someone's behalf when they were in financial hardship and in receipt of HB, etc...

Bank kept taking charges for bounced DDs and putting them into an unauthorised overdraft. Charges amounted to £4k! They just wrote back and said the charges were lawful, but here's £50 as a gesture of 'goodwill'...:-(

They know some people don't have the courage to go to court and speak up for themselves, so they get away with it.

TB

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