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Santander CCA check - help please


torch1
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I recently put in a CCA request to Santander for an old GE Capital loan that they took over.

 

The loan was taken out in Oct 2008, defaulted a few years later and I have been making reduced repayments of £62 pcm for the last 6 years. My circumstance have now changed and can no longer afford that.

 

Santander returned the attached signed agreement. Please can you check if it is a valid/enforceable agreement. They also sent a signed direct debit form and application data summary sheet with it.

 

If enforceable, will I therefore need to renegotiate reduced payment with Santander to avoid a CCJ.

 

Thanks in advance for any help!

Edited by torch1
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attachment?

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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where the T&C's?

 

 

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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Share on other sites

They didn't send any further terms and conditions only that page, plus the signed DD form and my application statement of facts.

 

 

However, is that not enough for a court to see there was a signed agreement and application and so would enforce a repayment agreement and a CCJ?

 

Should I write to Santander again, wait for a CCJ, or make a payment arrangement through Step Change?

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satans bank like at mainstream lenders wont do court

they'll sell it on.

 

now this is GE money based

i'll guess they'll be heaps of penalty charges to reclaim

send satans bank an sar now.

 

if that's signed by you then it might be time to send the offer of £XX for xx mts letter in the debt collection section of the library

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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Share on other sites

which a dca might well decide to go for.

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... 

Link to post
Share on other sites

Most old debts still held by an OC will be

Else they'd have sold it on

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... 

Link to post
Share on other sites

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