Hi there dx100uk....I have had more calls etc from Santander, but am still waiting to hear back from GE Money who I sent SAR too, so should I just sit tight? 10th december sent SAR.

Hi dx, yes this debt does show on my CRA file, and also although Banner jones havent sent me a copy of my agreement, I do have my own copy, which I posted at the beginning of this thread. I have sent off numerous letters about PPI to santander, and they keep saying its nothing to do with them, and I was missold by the chap in the garage, however when I got the car, the agent in the garage phoned santander to see if I needed PPI and I was told that if I didnt have it, they wouldnt allow me the car, as PPI was a necessity. So I did question it in the beginning way back then, but Santander wont budge on it at all. And now they just keep saying we have passed your file to Banner Jones.

How do I do that? And what do I do about the PPI?

My cra file is diabolical, my husband was so freaked out by the guy he paid cash, but we do have the receipt he gave us and no, we havent paid anymore, although he is due back anytime.

Plus they did not reply within the fortnight to us, in fact it took nearly a month, although on the letter they had dated it the 3rd of november, but the envelope was date stamped with their company on the 25th or so!

dx100uk I have had a letter back from Banner Jones. They say in it that lee heap was a third party debt collector who was part of a different company that they had sent out. They said they did not have a right to take the car like mr heap told us and that there was no court order. However, as we had agreed with mr heap to pay £10 a month, they were willing to carry on with that agreement now. Now, we were bullied into parting with the £200 odd and then told by mr heap we had to pay £10 per month in future or he would be back, we werent given a choice. Also Banner jones made no mention of the PPI that I had spoken off, and had not included any of the things I had requested re the PPI. So what do I do now? I feel lost again! As if it is a stalemate again. From what I can gather banner jones didnt seem to know lee heap, but then on the other hand they knew about the monthly arrangement??? so they must know him! And santander just say its nothing to do with them now, seeing as it has moved on to banner jones.

Thanks dx, I will do that and get in touch with you when they reply x

Okay, I have downloaded the Financial Ombudsman PPI form and I will get that sent off, sorry im not trying to be difficult, I don't know exactly what postggj called the document that I sent off to them, I 'm not very good with the jargon.

I sent the letters postggj advised me to send, SOC was one of them, and they just keep sending back saying tht they arent responsible for selling me the ppi and that I havent got a claim, but they did put an ombudsman leaflet in with the letter.

Well I am still trying to get the PPI back from santander! See above.

Okay, and what do I do about santander...I am still waiting to hear back from banner jones, who I presume are to do with close credit management.

So what do I do then, post ggj was going to help me write the letters as even with the templates I struggle. Santander keep saying I wasn't missold ppi, and this guy that came for the money actually brought a tow truck with him. He would have it up and gone before the police arrive.

Yes I sent that letter to them and I got a letter back from Consumer credit management saying they knew nothing of the debt.. so seeing as they said that, I got hold of the address of the number that this other man gave me, which is an address for Banner Jones ltd, so I have sent the original letter that postggj drafted for me, off to them now to. Still to hear back from them. In the meantime I also sent a copy of to santander, who wrote back saying that they had sold the debt on and it wasnt there problem anymore. So I dont really know where I stand, and I am going to have mr heap at my doorstep again in about a week wanting more money or taking the car, and what happens about the PPI? will the company who has bought it off santander (close credit management who i have already written to) be liable to pay me the ppi back or what?

Oh no, this is a nightmare! He was fantastic with his advice...he was helping me deal with these idiots, now what will I do???

Hi Postggj, I have emailed you and pmed you on here...I got a negative reply from the company and have emailed you the letter. Can you get back to me with my next move? That man will be back for more money soon else.