Jump to content

biscuits42

Registered Users

Change your profile picture
  • Content Count

    47
  • Joined

  • Last visited

Community Reputation

1 Neutral

1 Follower

About biscuits42

  • Rank
    Basic Account Holder
  1. And now for the next ridiculous installment. I wrote back to Santander stating that the details received weren't sufficient and did not fulfill my SAR request under the DPA... I clearly marked the letter with a bold large title stating it was an official complaint and was a request under the Data Protection Act. A week ago I received a letter from Viking saying that they were passing the account back to Santander so legal proceedings could commence.... Two days ago I received two letters from Santander offering a £5 per month settlement on both the Asda and Debenhams cards.... and today a lett
  2. Thanks Landy.... I hadn't thought about the fact that those statements are within the last 6 years. I was thinking more about what else should have been in there. I'm writing back to them tomorrow to dispute it. Glad to hear it's not just me they're trying it on with lol... They did claim that they'd previously sent me all this stuff on 23rd Dec 09, and that when I wrote to advise I hadn't received it they replied saying they'd not cashed the second cheque as I'd already paid (but they haven't cashed the first either) and that they were resending everything... but a good number of the statemen
  3. Thanks for taking a look for me CitizenB... your help is, as always, much appreciated The account was originally owned by GE Capital which was bought out only recently by Santander, but there are records in the pile they've sent from way before that. They also claim that what they've just sent me is an exact copy of what was sent in December, following my second (tracked) SAR. There's no call log, but there is a list of 'Notes' that includes only 2 of the many phonecalls, none of the letters except the original CCA request and one where i disputed that the application form they sen
  4. Hope someone can help with this as it's getting more tangled the more I look at it! Please tell me if any of it doesn't make sense I've now noticed that the letter they claim was sent with the original SAR response in Dec 09 states: "With regard to the default notice I have provided you with the Notice of Default Sums and Notice of Sums in Arrears. I can see your account has not defaulted however there are numerous later payments recorded" Firstly they've sent two copies of the Notice of Default Sums, but no copy of the Notice of Sums in Arrears - are these the same thing? Ar
  5. Can anyone help with this please? I need to get a response in the post to them, but want to make sure I'm correct before I do I've also noticed since my last post that the copy of the letter they claim they sent with the SAR on 23/12/09 states that there is a Notice of Sums in Arrears and a Notice of Default Sums enclosed. I've got two copies of the former, but no copies of the latter.... are they the same thing and Santander are just trying to make it look like they've sent more than they actually have?
  6. Thanks Bobdauilda.... From what I've seen these cases with Santander are often dropped after court proceedings commence because of this, and the dodgy DNs they issue, but would rather avoid it getting as far as that if I can. I wouldn't mind but despite having less than no income left over to pay debts with, we've still offered a token payment to them and they're refusing to even acknowledge it. Just keep saying they'll only consider reduced payments if I fill our their income and expenditure sheets (no chance - besides... why do they need to know the make and model of my car for an I&E )
  7. Ok... I need some advice now as I'm not sure how to proceed (although I expect it will involve a lengthy letter). Following a Subject access request to Santander re: the Debenhams card account (storecard opened in April '99, converted to mastercard June '06 and reissued with a third account number in April '09)... I've received a package today stating that the contents were originally posted to me on 23rd Dec 09 so they've returned my second cheque (but haven't cashed the first yet). They've sent me the following stating on the letter that the Data Protection Act only requires them to sen
  8. Hi Debbbbsy - I actually posted in a couple of places originally as I wasn't sure which was best. The link in my first post is the active one now. Thanks for the link.... very interesting! I've been arguing that tactic with Santander for weeks and they kept telling me that since the card was only upgraded they didn't need any further paperwork. Now in my opinion a normal storecard changed to a gold storecard is an 'upgrade'.... changing it to a Mastercard is a completely different account type! But they didn't see things my way so I issued a SAR request which I've just received very dubio
  9. Congratulations on your victory. Although not at the courts stage yet, I'm having trouble with Santander over a Debenhams card. Can I just ask was the fact that they couldn't provide any sort of upgrade paperwork or new agreement when they changed your card part of their downfall in your case? I know you mention it in the thread, and it seems that the major problem was the DN. I started with a storecard in 1999 converted to a mastercard in 2006 and reissued in 2009... all I got from CCA request was the original application form for the storecard back in 1999. They've also issued a default noti
  10. Ok... I need some advice now as I'm not sure how to proceed (although I expect it will involve a lengthy letter). Following my Subject Access Request to Santander re: the Debenhams card account (storecard opened in April '99, converted to mastercard June '06 and reissued with a third account number in April '09)... I've received a package today stating that the contents were originally posted to me on 23rd Dec 09 so they've returned my second cheque (but haven't cashed the first yet). They've sent me the following stating on the letter that the DPA only requires them to send information t
  11. The second account under Santander, for the Asda loan, has since been passed to Viking also, and we have today received a demand for payment of the account in full. The OFT guidelines for fair practice during debt collection state that it is unreasonable to expect a debtor to repeatedly send the same information regarding a debt when it is passed from one party to another - does this mean that when the debt was transferred from Santander to Viking (ie across to the next desk!) they should have transferred with it all my previous correspondence explaining why we cannot make the minimum payments
  12. Thanks CitizenB... much appreciated as always.
  13. Can anyone please advise what the next step is if a creditor fails to comply with a subject access request within the 40 day limit?
  14. Can anyone confirm whether the 40 days quoted in a SAR includes service time? If so, Santander have about 3 days to comply, if not time is up tomorrow. If they don't get service time and if I don't receive the results of my SAR request tomorrow, what is the next step?
×
×
  • Create New...