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    • Actually there wasn't a massive amount of work to do on the WS.  The "meat" was there because of the great work you'd already done. Here is a version which I think is nigh-on finished. However, with Easter there are a few days for the other regulars to suggest tweaks. Defendant WS.pdf
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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
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The Reverend And old Abbey OD sold to Arrows


The Reverend
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Good afternoon everybody,

A long time since i've engaged on this fantastic site,had an awful lot of trouble at the Vicarage but thats for another day.

 

 

Just a little bit of thought regarding this matter would be welcome,

 

Abbey National - Santander

 

Had a bank account and overdraft got into difficulties not going into more detail no need to at this point in time.

 

Account ended up at Debt Managers around 2006, balance of around £2500 i did setup a payment plan and that continued until June or so this year.

 

Received letter from Arrow - Capquest, saying Capquest are now managing on behalf of Arrow, balance around £2100.

 

The question is do i engage with Capquest and set up new payment plan ? i have no problem with that for time being,as some more hornets nests are gonna get rocked over next few months i think.

 

I think a cca request doesn't count in this situation ?

 

 

Bless You, The Reverend

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Wait for Capquests missive and then decide from there...the longer it does the rounds the less chance of a court claim Reverend

 

Regards

 

Andy

We could do with some help from you.

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Thanks for quick reply Andy,i've actually received a letter from Capquest today,just the standard contact us blah,blah,blah.Like i said i don't have a problem setting up new repayment plan,would you suggest that as being route to go down ?

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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why not get an sar of to satans bank

get all the statements

this could well be 99% unlawful bank charges & their interest.

if so very questionable they'd go anywhere near a court with it.

 

 

dx

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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And if it is 99% bank charges & interest do you really want to pay it...not that we condone debt avoidance in anyway Reverend you understand....just fair treatment to consumers.:wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thanks for replying dx and Andy, yes would be a lot of charges on this account. If i go down the SAR route,do i wait until i get that info before making any contact with Crapquest,and wait for next Threatagram ?

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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I wouldnr be rush to tell or do anything with cabot.

 

they are not bailiffs and have zero legal powers

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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Capquest not Cabot

 

Would i send to Capquest Or Satan ?

And are we still talking 40 days to comply ?

And also reading the origina letterl from Arrow the account goes back to 1998,

would they hold info that long ?

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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sar to OC

well if you cant get ahold of the data

99% guaranteed arrows wont either!

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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Not had a chance to get SAR sorted will try tomorrow when have a little more time.

 

On a seperate note,

on the SAR page you have a link to create a tamper free sig,

seems a great idea,

so paid my £4 via paypal,

and got sent back to a template page,

which i don't really want,

how do i login or create account to create the tamper sig ?

 

 

I can't any way getting past that page

,and don't have a password to access the signature creator or no link to create an account,

perhaps I'm just being thick :-)

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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is the sar going to the original creditor?

 

 

sorry about that sig thing its a nuisance

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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no need to munge a sig on SAR to the OC

as the sar says if you read all the posts there.

 

they'll only ask you for it unmunged

don't forget a ctax copy if you've moved too

 

yes , we'll sort the £4 for you.

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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Wasn't going to use on that document just thought it was a good idea.

I've read over was needed for the SAR request and again dx thanks for the reminders much appreciated.

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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I had an overdraft of around £2k with Abbey when it was defaulted. It was quickly sold to Debt Managers and I started to make repayments to them.

 

Then I found this message board and CCA'd Debt Managers (not knowing at the time that overdrafts weren't covered by a CCA request)

 

However, Debt Managers managed to obtain and send to me a copy of the application form used to open the Abbey National Bank Account.

 

On the Application Form there was a box that had to be ticked if you wanted to request an overdraft. I hadn't ticked that box.

So I wrote back to Debt Managers and pointed that fact out to them and stated that I had owed nothing to Abbey National or Debt Managers, and therefore stopped making payments to them.

 

I've never heard from them since and that was almost 10 years ago.

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  • 2 weeks later...

Hi Guys,

not had a chance to get SAR off to Satan,

One question can't seem to find an address to send to

 

Would this one be applicable ?

Complaints, Santander UK PLC, PO Box 1125, Bradford BD1 9PG

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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Well its not a complaint ...its a legal request and should be addressed to Data controller.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Hi Andy,can't find an address for Data Control nothing on their website,would i send it to Data Control Bradford ?

 

Their website is blooming awful.

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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Not sure if this is current ?

 

Data controller: Santander UK PLC

Address: 2 Triton Square, Regent's Place, London NW1 3AN

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 1 month later...

Just a small update, SAR sent off to Satan,had a reply from Satan, we will send requested info within 40 days blah,blah,blah.

 

Have this week recieved a further letter from our friends at Capquest,after the usual three weekly you haven't contacted us regarding this account. I did send a cheeky CCA request i no doesn't apply but i was in a cheeky mood.

 

Now the letter this week is offering a reduced settlement,and my question would be,does anybody think this is because the SAR is going to reveal a few charges i will be able to get refunded,or just a complete concidence ?

 

The CCA of course they haven't responded to at all,was just expecting my PO returned and a you do realise this doesn't apply to an overdraft.

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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they wouldnt know about the sar.

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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I did send a cheeky CCA request i no doesn't apply but i was in a cheeky mood.

 

.

:)

worth a try, gives them something to think about.

have done one, and in mine it is applicable (re the full terms) (though they say it isn't) :)

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:)

worth a try, gives them something to think about.

have done one, and in mine it is applicable (re the full terms) (though they say it isn't) :)

 

Never even got a reply,or my £1 sent back,they certainly haven't taken it off the balance outstanding.

I'm pretty certain now the reduced settlement letter was to get me to call,learnt a very very long time ago.

Never speak to these people on the phone ever.

[COLOR="black"][SIZE="7"][/SIZE][/COLOR][COLOR="palegreen"][/COLOR][COLOR="darkorange"][/COLOR]Bless You,The Reverend[FONT="Century Gothic"][SIZE="6"][/SIZE][/FONT]

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