I will start with possibly the easiest question first

- I got a letter from drydensfairfax regarding an unsecured loan I still owe money on, this goes back to 2008, I think.

I have paid half of the original loan.

Former partner is on the loan too.

I was paying it back to avoid trouble, as you do.

I then had two companies chasing me at the same time, Moorcroft and someone else.

Naïve, I rang Santander who said they would clarify.

Then ex put the loan into dispute, for his half, so naturally, I wasn't able to pay.

The dispute was settled not in his favour and I waited for instructions, from Santander on who to pay.

So, the letter has arrived, telling me "not to underestimate the seriousness of this matter" and to contact them by 16th to discuss repayment.

The letter states that they are acting on behalf of their client, Santander.

I realise the dates are missing on this, as an initial query,

my first question is who owns the debt, the letter seems to imply that Santander does, and they are just collecting for them?

Can you please help me get mental clarity?

thank you xxx

Welcome to CAG - Sounds like the usual from DDF Solis.

When was the last payment?

yes you [possibly] pay but ONLY deal with Santander

a dca or their pet solicitors have zero legal powers

and

are NOT bailiffs

might also be better to stay off the phone too.

have you got your credit file?

does this debt show?

retitlted and moved to the Santander

Thank you for the replies.

I actually don't know when the last payment was, because of the confusion with the two different companies chasing me.

I could phone Santander as asked, but I don't know if that is wise.

Just to check, DF haven't bought this debt, they are just doing the "admin" for Santander.

I'm confused.

Santander wrote to me and advised me all dealings should be thorough DF, and their letter has a smaller amount on it than the DF's.

DF also sent a letter to my former partner to this address, he has never actually lived here, and certainly didn't mount his rear guard action from this address so why did Santander not give DF his address?

hi - no, I haven't got my credit file - should I get it before acting?

payments would have gone to the fleecers 'client' that would be Santander..

it might well pay you to get your credit file yes

it might fill in the blank

roughly when did you last pay anything to anyone regarding this>?

just one point to bear-in-mind, the debt was joint and several

which means sadly you are responsible, as is the ex equally, for the full balance.

Thank you. Just Noddled it, will go though it.

Yes, I do know I'm liable, and I was paying it off, until the muddle from Santander's end, then the attempt by the ex to get off the agreement.

Now I'm just trying to understand what has happened, who I am dealing with, and what the best course of action.

I am going to read the file, and then I can post some facts.

Just one q in advance,

can I ask Santander to pay them back directly?

Just can't imagine them saying yes.?

always only pay the OWNER listed on your CRA file.

find that last payment date.

pers i'd send satans bank a CCA request

put them to strict proof they hold enforceable paperwork, for 2008 that might not be so.

you are quite safe on ANY DEBT, to totally ignore everyone bar the OWNER of a debt.

I got into Noddle, and according to their charts, which are visual, I defaulted in 2012. No more information there. I became too ill to work again in 2011, so that is when it went onto a reduced payment plan, because it became apparent that I wasn't going back to work. However, there isn't any information on when the last payment was made?

so have you paid since oct 2012

the payments seem to have levelled at July 2016, which would fit with my appalling memory, and even worse filing skills.

also I took the loan out in 2007 according to Noddle. dx100 you are an angel, thank you xxxxxx

thanks....

ok so cca time

thank you so much, I can now proceed calmly and stop panicking xxxxx