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

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

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 ?

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

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.

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 ?

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

they are not bailiffs and have zero legal powers

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 ?

sar to OC

well if you cant get ahold of the data

99% guaranteed arrows wont either!

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

is the sar going to the original creditor?

sorry about that sig thing its a nuisance

SAR to Satan

Sig thing i thought a good idea,can i have me £4 back please ? :-)

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.

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.

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.

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

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

Andy

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.

Not sure if this is current ?

Data controller: Santander UK PLC

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

Thanks Andy, lets try that address.

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.

they wouldnt know about the sar.

Thanks for the reply dx.

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)

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.