Possibly so...but the more you can find and research to prove that it isn't an exact copy of your agreement the better. I downloaded the copy from page 1...works fine.

see suggestions above

You know.. at the time a parachute account was suggested to me, I was going to ask for your advice as to which bank I should choose but it also seemed like such a simple thing I can do myself. I know there are no stupid questions, but I wanted to do as much as I could myself given how much effort you guys expend on here helping people. Bah! ok well I still have time to change my bank details before I get my first pay at the end of Oct. You guys made me feel much better about my situation when I first posted and certainly every post I read from you lot gives me more and more confidence with how I'm dealing with this.

I wouldn't advise you sending two letters of claim in respect of different matters. That will simply confuse them and if you do end up bringing actions for them the actions are likely to be merged. I'm making the suggestion of litigating on the continuing breach as a way of harassing them. A new SAR can be sent later on with the prospect of a further action if they breach that as well. However if it is correct that they have already had a judgement – even though it is a default judgement – in respect of an SAR breach and they still haven't remedy that breach then it seems to me that they are bang to rights to have the matter emphasi

Paras 14.10 and 14.11 of Santander's amended defence state quite clearly that the "remaining balance" on the claimant's account is only in the region of £620. Presumably this means that >£3k (the difference between the amount claimed and this "remaining balance") has been transferred out of the account - or has otherwise disappeared. But so far as I can tell, Santander do not explain where that money has gone. (If they had transferred it into some sort of control account pending the outcome of any investigation, I would have expected them to mention this in their defence so that the court would be able to follow the trail of the money).

Thank you HB. Apologies for the lack of updates. I wanted to update the thread today with the latest progress and where I am at currently with all these accounts to hopefully help other people in the future. Ok here goes: I decided to allow all the accounts to go into a default state, with the exception of the debt owed to my current bank as I wanted to continue using it temporarily for mortgage payments etc before I could get my parachute account in order, I have now stopped payments to them too. I have 3 loans: Tesco Bank £8600 remaining - Default notice received 29/09 with a

James O'Brien on LBC explains why some of us might have been a bit confused recently about government messaging. It's a great analysis IMHO. "Everybody who warned Project Fear was going to happen was shouted down by the people now in power. "Before your very eyes the Government are saying the predictions were right - and it was part of our plan. https://twitter.com/i/status/1445378612585185282

Apologies for my silence for so long. I have submitted my complaint to the Ombudsman who initially found in my favour but Ashadegreener have appealed and I'm waiting for final verdict.