Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #21

    Default Re: Old A+L Loan charges reclaiming + CCA return

    let it run

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  2. #22

    Default Re: Old A+L Loan charges reclaiming + CCA return

    Yes I thought maybe the best course of action is if they want some money let them demand it rather than just hand it over


  3. #23

    Default Re: Old A+L Loan charges reclaiming + CCA return

    In the letter from Santander accompanying the signed credit agreement from 2005

    It states "under the consumer crediticon (cancellation notice and copies of documents) regulations 1983 we can comply with the legal requirements by sending a copy of an agreement in the same form as the one that was signed ,
    but excluding the signature box , customer signature and the date of signature

    Is this correct


  4. #24

    Default Re: Old A+L Loan charges reclaiming + CCA return

    Getting a copy of your credit agreement | National Debtline
    https://www.nationaldebtline.org/EW/...nt-advice.aspx
    know your rightsicon when asking for information about your credit agreement. Advice on how to ask for the information and how your creditors must behave.

    might help, in any case pre 2007 CCA1974s must be an actual copy of original ( original with signature>?) comes to mind?


    others will respond also

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  5. #25

    Default Re: Old A+L Loan charges reclaiming + CCA return

    Yes they are correct, HOWEVER!,


    You would always question as to why they felt the need to supply a copy of the original agreement with the signature box and date it was signed redacted, surely if they had it they would send it in its entirety.


    When they fail to, then it is either because they don't hold the original document, which they will need to produce in court, OR they are lying about holding the original and hoping you'll fall for their lies by accepting their untruths and giving in.


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



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  6. #26

    Default Re: Old A+L Loan charges reclaiming + CCA return

    Unfortunately they have sent a signed credit agreement I just wondered why they had put that in a letter and if it was correct

    However the statement of account which they claim to have sent under separate cover has still not arrived ��this I would think is Laden with charges I'm sitting on it until this arrives


  7. #27

    Default Re: Old A+L Loan charges reclaiming + CCA return

    well start a new threadicon on this in the santander forum please and scan what they have sent tp OME multipage PDFicon
    read uploadicon

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  8. #28

    Default Re: Old A+L Loan charges reclaiming + CCA return

    Yep will do in just waiting for the statement of account and then I'll attempt the uploadicon


  9. #29

    Default Re: Old A+L Loan charges reclaiming + CCA return

    Still no statement of account

    as it stands does this mean that they have not fully complied with my CCA Requesticon or do they just need to send a copy of the signed credit agreement and not a statement of account even though they stated in the letter that had been sent under separate cover

    My initial thoughts are that it's riddled with charges that would wipe the debt out

    Or they don't have any to send
    As they've not asked how she intends to settle the debt I'm beginning to wonder what they're up too

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  10. #30

    Default Re: Old A+L Loan charges reclaiming + CCA return

    as asked a long time ago
    ive now started a sep thread for the satans bank card debt.

    so where the SARicon return? forget the CCA
    but we still need to see it please
    read uploadicon ONE multipage PDFicon please

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  11. #31

    Default Re: Old A+L Loan charges reclaiming + CCA return

    Not sure if this has worked apologies if it hasn't worked

    I hope I've managed to post the Santander credit agreement correctly this time apologies if not I still have not received statement of account which they claim to have sent out under separate cover

    I've heard nothing from them since they sent this as requested

    Attached Files Attached Files

  12. #32

    Default Re: Old A+L Loan charges reclaiming + CCA return

    thread title updated

    that's enforceable as far as it goes.
    when did you cease payment or did you?

    where the SARicon and what date did you send it?

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  13. #33

    Default Re: Old A+L Loan charges reclaiming + CCA return

    Payments stopped about 11 months ago
    SARicon sent about 2 months ago maybe a bit longer
    they claim to have sent the rest of information under separate cover which is the statement of account

    I'm just wondering why they've made no effort to enforce this agreement if it's enforceable

    I've heard absolutely nothing from them apart from what I've asked for

    Should I re send the sar request asking for the statement of account which appears to be lost in the post


  14. #34

    Default Re: Old A+L Loan charges reclaiming + CCA return

    all the statements
    an SARicon is for EVERYTHING they hold on YOU>

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  15. #35

    Default Re: Old A+L Loan charges reclaiming + CCA return

    Quick update
    Santander have written saying they have sent all the information they have on this account which is the signed credit agreement which I have scanned earlier in the thread and appears to be enforceable they still haven't sent the statement of account which they claim to have sent under separate cover ( giving me the run around no doubt)

    Today they have made contact stating that wescot will be managing the account

    As they state that wescot are managing the account am I correct in thinking that it hasn't been sold on so I only converse directly with Santander and just ignore wescot


  16. #36

    Default Re: Old A+L Loan charges reclaiming + CCA return

    correct!

    now ring satans back SARicon dept and ask them where the statements are but 2mths is a bit of a wait...

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  17. #37

    Default Re: Old A+L Loan charges reclaiming + CCA return

    Just a quick update I have today received a statement of account up to 11/ 2009 which says as a last entry balance write off 2800 payments has continued until Dec 2017 but there are no sign of these although the amount owed has gone down but not showing on the statements sent


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