worthy to note from the FCA website:

Client Money

This firm cannot hold client money. It may be able to control client money if it has the necessary requirements.

Requirements

Requirements are rules placed on the firm that apply to all of the financial services activities that it can operate.

This firm has no requirements

Debt-collecting

Limitation Limited to vehicle recovery only

I don’t have the number, they just phoned me but I do have a mobile number from a text they sent me

cant you look it up on your online bill or something?

or is it on your phone?

cant you look it up

most home dect wander phones give you a list of the numbers that have dialled you in their menus

They phone me at work,

I’ll need to check the record of calls tomorrow when I’m in,

I can’t find any paperwork from Santander

I’ll phone them tomorrow and see what they can do.

I think someone mentioned I should get a bank recall on the payments I’ve made is that a good idea?

Yes I'd go ring your bank and do a charge back for all the payments

Don't go into detail

Just tell them you were sc@mmed by them into paying via them and Santander know nothing about them and never involved them

Stop ringing people!!

Stop talking on the phone ever about any debt!!

You need a paper trail

Send Satan's bank an sar

I haven’t even got £10 for a SAR I was borrowing money tomorrow from a friend to get me enough petrol for work till Friday so I can use some of that

go do that chargeback you'll have +£1k in your account within minutes

phonebank line is 24/7

Really? I thought it would take days to come back

the bank are putting me through to the fraud squad.

they are supposed to credit the money back to you and then sort the dispute out,

not start a dispute and delay the refund until they get to the bitter end of the matter.

So, yes money back with the day should be the norm

but if that happened it wouldnt be the norm

as they prefer to mess their customers about

rather than risk losing a few quid themselves.

Like insurance co's if they all used best practice the world would run so much better

but when you get one that drags its heels the rest join the race to the bottom so they dont get stuck holding the baby

fraud dept have put me back on to the main bank, they say its a debit card dispute, she is going to check the criteria to see what she can do.

6 working days to investigate

You really need to find out the agreement type

As dx said earlier Satans car agreements were often purely personal loans

As for LCR the only time they can request money is if they visit you specifically to repo the car,at the time of the visit only

You need to start a Formal Complaint with Santander

and contact the FCA helpline and inform them what has happened

in addition to the actions you are already taking

The SAR is imperative as soon as you can afford it

The arrangement you should make with Santander is to pay your contracted payment plus the arrears divided into the months

remaining on the agreement

no its NOT 6 days

the FCA rules clear state it should be immediate, then investigate.

you did demand a chargeback?

dx

yes i asked several times for a chargeback and gave the reasons why i was asking for it,

they passed me to the fraud team who said it wasnt fraud and passed me back to the normal team,

they said they had to check their criteria for chargebacks and came back with it can take up to 6 days.

I have written a letter to Santander, shall I upload it here for review before i send it?

gooing into branch often works best as you ca make the person dealing with it do things before you leave.

"I have written a letter to Santander, shall I upload it here for review before i send it?"

Yes let's check you have covered everything

Have you determined the agreement type yet?