RE:

https://www.consumeractiongroup.co.uk/forum/showthread.php?483703-been-paying-Gregory-Pennington-12yrs-now

Yes all of them I was expecting Santander to at least contact us ,as this is the only original creditor and they havn,t even acknowledged she owes them anything

How do you go about claiming charges back from some of these old accounts is there a template we can use and what charges can you claim back

In other words I have no idea how to go about this or what we can try and claw back

you'll need all the statements first?

Ok that's a SAR to them see what charges and fees they have added

What could be classed as unfair charges

fixed sum fees

dd unpaid, late, over limit, letter, phone

you'll spot them £12,£15 £25 etc etc.

Ok thanks

he can go to the library and use theirs for free. He may even bump into one of their volunteers to help him with using it, many have them.

Ok ericsbrother thanks still heard nothing from any of the other creditors hopefully I havnt.t jinxed it putting that

Santander have contacted us with a notice of sum in arrears the amount owed is £535 on a personal loan

This is in reference to missed payments from November when she left the debt management company

They would like her to contact them to help her pay it

So as this seems to have slipped in under the radar is it a case of

A = sending a CCA request

B = SAR them for charges

C = Offer a F&F settlement for 50%

D = Ignore them

I would have thought they have the CCA although it was from approximately 13 years ago

I would imagine that it's riddled with charges

I doubt that they will except a deal unless it's unenforceable

Ignoring them will probably lead to a CCJ

I've probably answered my own questions really but would just like an opinion on which direction to go in

Thanks

a and b 1st!!

Thanks dx

When I send a SAR to Santander should I be asking for copies of statements

Can they then charge me per copy of statements or does this come under the £10 SAR fee

sar is everything

if you await +25th under GDRP its than free

Ok thanks so they can't charge extra for copies of statements

read the sar carefully

Without sounding a bit dim

should I be reading the letter I send them carefully or the legislation regarding SAR requests

It appears from what I have read that it's more medical information that an extra charge can be levied

Ah I have just read the new (free one ) it appears they can charge a reasonable amount to cover the cost of supplying the info

one fee gets everything

if you await till the 25th under GDPR it will be free

Ok thanks

Just received a signed credit agreement from Santander (old alliance and Leicester a.c.) statement of account to follow which I'm assuming is riddled with charges

Is there a template letter on here to use to claim them back

pop them in the FOSCISHEET first

see shelley thread or martin2006 thread

I'm still waiting for the statement of account even after having a copy of the signed credit agreement Santander don't seem to be pushing it considering there's been no payment on this account since November

let it run

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

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

It states "under the consumer credit (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

Getting a copy of your credit agreement | National Debtline

https://www.nationaldebtline.org/EW/factsheets/Pages/.../credit-agreement-advice.aspx

Know your rights 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

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.