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About covers22

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  1. Hi dx you got me.. I totally forgot that i have sought advice here before on the same thing. (apologies Andy) you are correct it was my wife (easier to say I) they did get a CO and i have been through the PPI claim which they threw out and the FCA agreed with them and also threw out. i have since tried to reclaim on the commission rules but they have come back and offered £47 finial settlement as the amount they overcharged in commission. I'm not sure why they threw out in the first place as my wife was only working part time and wouldn't have been able to claim on the policy anyway.
  2. OK. although their letter states they have put the account on hold for 30 days, at which point I assume the phone calls will start again. will they eventually give up? Thanks for the advice.
  3. Hi Andy Thanks for the quick response. There was no charging order applied to the CCJ. The judgement creditor was GE Capital I believe, not Robinson Way who are chasing the debt. Regards Dean
  4. Hi and apologies if this has been covered before. I have had a search and found something similar but didn't answer my query. Many years ago I got into difficulty with a Debenhams store card debt which ended up in a CCJ being received for the debt in 2009. a number of years went by without being contacted about this and out of the blue earlier this year Robinson Way started chasing the debt. As so much time had passed and the CCJ has dropped off my credit file I sent them a statue barred letter. They have now replied explaining that due the the CCJ order registered on my account in October 2009 that the account is not statute barred and want me to send them my proposal to clear the debt. Does anyone know how I stand legally with this and how I should respond? Many thanks in advance. C22
  5. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  6. Thanks for the replies. I have written to Santander stating that all the charges they have unfairly levied on my account are wholly responsible for the outstanding debt and therefore the registered default. I have asked them to write off the debt along with removing any adverse entries as a settlement instead of me going to the FOS or taking it to the courts. I’ll let you know if this longshot works, and just go for the charges and interest as compensation if it doesn’t.
  7. Hi, Thanks for the replies. The debt is still outstanding, but I'm now in a position to pay it off. I wondered if i could use that to negotiate having the default removed.
  8. Hi I am looking for a little advice on how I should deal with a very old Santander (Abbey National) overdraft. Many moons ago (2007 – 2009) I had an Abbey account with a £3k overdraft, which despite me having my salary paid into this account, they decided to withdraw the facility giving only one months’ notice. (I believe this was the annual account review and my credit file had some adverse records on it). I was forced to move my salary and setup DD’s in another bank quite quickly and wasn’t in a position at the time to clear the overdraft. During the time the account was open they had charged me just over £3k in bank charges which didn’t include interest and in 2011 registered a default against me. Now I am in a far better financial position and would like to refinance to get better interest rates and perhaps go for a 0% balance transfer on a couple of credit cards. But this default will be on my file for another 8 months so is preventing me from getting favourable finance offers. What would be the best way to deal with this and would it be possible to have this default removed? Thanks in advance for any advice you can offer. Covers22
  9. Hi, couldn't find an answer to this but apologies if this has been covered before.. I am the owner of a small business and I have purchased an item from a well known online retailer. I wish to return the item I have purchased due to it not being as advertised. they have told me that because I have purchased this for a business that the distance selling rules where the consumer is entitled to a cooling off period do not apply and I am not entitled to return this product for a refund. is this correct? Thanks C22
  10. My signature is not on any of the documents they have provided. do i just ignore this until they try to enforce?
  11. Hi I have had the attached response from Cabot, any idea where i stand with this? Thanks C22
  12. I have received a reply from Cabot.. "Unfortunately Cabot has not been able to provide you with the requested information within the relevant time period" "Your agreement is currently unenforceable, which means we are not permitted to obtain a judgment or decree against you in court, However, you are still obliged to repay the outstanding balance as confirmed in this letter and therefore we would recommend you contact us as soon as possible to set up an repayment arrangement or continue with your existing payment plan" I assume I can ignore this? interestingly my balance on my credit file seems to have increased last month can they do this or does it even matter? regards C22
  13. Hi Andy checked my credit file and Cabot are still updating my file every month with a default, how can i stop them doing this? Account start date 24/07/2006 Opening balance £ 1,257 Repayment frequency Monthly Date of default 10/07/2009 Default balance £ 1,257
  14. Hi dx Still need to complete this claim and been manic since xmas. Please can you just confirm, do i go direct to Santander card services with these (separately) if so are there a template letters to use, or should i complete the FOS PPI Claim? do i include the interest? Then what do i do with the charges claim and its interest? again is there a template? Thanks in advance. C22
  15. Hi Andy I haven't head a dickie bird since filing the defence, do i need to follow-up with anything on this or can i now assume its just gone away? ta dean
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