Hi everyone, I would like some advice on what I can do about my property. Myself and now ex-partner purchased a property under the FirstBuy Scheme, but things between us have not been so good and now I am stuck here to pay for the place on my own. I would like to sell up and move on but have this firstbuy scheme looming over my head can anyone tell me if there are any issues in selling the property within the first year? or is there some clause that prevents me from doing so. Any advice would be great, many thanks Shane

Thanks CB I will do that thanks again. I will keep everyone informed here as to the outcome.

Thanks I have just wasted £10 to find out all the information that Credit Expert gave me. It shows that it has been registered at my previous address of over a year now and what court and reg number it has been registered at. This does not help me so I refer you to my original question.

I am asking for a bit of advice here. Yesterday I discovered I have a CCJ on my credit file which was issued in April 2013 on the file, however it has been issued to my previous rented address as I have now been living in my own home for the past year. I have no idea how and why I would owe money to anyone as I have made sure that all my previous creditors are paid off. It states that I owe £670 for which I am clueless. My question is being as the CCJ has been registered at my previous address and I have not had any formal letters from a creditor stating that they are taking me to court where do I stand with this? How can I get this removed from my credit file if I knew nothing about the summons ... any advice would be great. Thank you in advance.

Ah great to hear it Jellybean. If you do not hear from them by the end of this month I would call them on that number and ask then why they have not replied. Even though I have paid off my loan and after having a refund of £95, as I overpaid they still have my account open despite customer services, saying it will be closed then on the 22nd of this month they misinformed the credit reference agencies saying that I had missed a payment and I still owed them £132. I disputed it with Equifax and told Santander to call me in 24 hours to resolve the matter, they never so I asked them to call at close of business yesterday still nothing and today I called again and was told I would be getting a call at 5pm, I never so I called again and finally got through to complaints. I gave them an ear full of my mind they will have the matter resolved by close of business this friday and I will be compensated for the stress caused. Now I have them wrapped around my finger. If they fail I will be writing a very strong letter to the FSA. I word to anyone with anything to do with Santander, WHY ARE YOU BANKING WITH THESE IDIOTS???? SERIOUSLY !!!!!! Their customer service and after sales service suck. Their left hand is not connecting with the right hand. Something is seriously wrong with this bank.

Least you have done your bit and followed up the call. It is up to them now to reply back and I am sure they will so will. Lets wait and see what happens then. Good Luck

If there is one thing I have learnt with santander is that they never really send you a reply via email as quick as they could over the phone. Talking is better than email. Call them now let me know how you got on.

I would just simply say: I can see from my phone call log that you have contacted me, my name is 'jellybabe' and I calling regarding my Cahoot Flexi loan account number 666666. Could you please put me through to who called, thank you. Something like that. What they told me was that they where looking into my complaint and will reply with an answer with in 10-14 working days. At the end of the day Jellybabe, they are as much human as you are and to be honest very friendly and approachable in that department. Remember to ask for an email to back up the phone conversation you have just had with them. Good Luck. Call them today friday 13th, break the bad spell of the day

Absolutely ring back, I did and I was put on to a lady called Faye Muggeridge. Very very helpful. Don't miss out on this opportunity.

Who did you email Jellybabe? go direct to the [email protected] I did and I had amazing results. Good luck

I have a wonderful christmas present from Santander. Today I have received a letter from the Chairman Exec Complaints. Who has concluded that the loan is variable and has been slashed from 21.3% down to 12.28% for the foreseeable future of the loan. The best part is that they have calculated this from 1st January 2004 when the first interest rate increase was applied. 8.6% to 12.28%. Santander has recalculated the interest rate from then and has refunded me £2842.65, which leave me with one payment of £113 to pay and I will be debt free So contacting the CEO of Santander really does work.

Email ceo at santander.co.uk yesterday had an email and a phone call. This really does work, Dear Mr Piper, Thank you for your recent communication addressed to Ana Botín, Chief Executive Officer, Santander UK. Your complaint has been passed to our Executive Complaints Team who will carry out a full investigation and should respond to you directly within the next 10-14 working days. High quality customer service is of great importance to us at Santander and we will do everything we can to resolve your complaint in a timely and satisfactory manner. I am confident we can resolve this for you quickly and, in doing so, go some way towards restoring your faith in Santander. Faye Muggeridge in our Executive Complaints Team will contact you shortly to discuss your concerns in more detail. Alternatively, you can contact the team on 01908 719345 You may also be entitled to refer your complaint to the Financial Ombudsman Service if you do not feel we have resolved your complaint to your satisfaction. More information about this will be provided with our resolution letter. Thank you & kind regards Kaye Executive Complaints Team Santander UK plc, 201 Grafton Gate East, Milton Keynes, MK9 1AN Telephone: 01908 719345 E-mail: [email protected] Faye, said that she is dealing with my account I have her personal number and will have a letter in 10 - 14 days. Of course if I am not happy with the result I have her number to hound

Been told today by Santander that they are unable to send me my original signed CCA as it was signed over 6 years ago and would be no longer be stored on file. Interesting, the FOS would love to here about that.

its above in red jellybabe

http://ubuntuone.com/0YaBG78MMPCCY6Wf4bOU5P My last letter. Please feel free to pic holes in letter, they call resolution and understanding. I have just sent a short message to the ceo at santander.co.uk asking for resolution and how can some people get refund and not others, If this is true I would be getting more back than the amount I owe for sure. This is what I have written to the CEO: Dear Sir/Madam, I write to raise a formal complaint on the above account. The account was taken out on 24 July 2002 with the company Cahoot. I understand Cahoot was taken over in the 2009/2010 period by Santander who had bought the parent company Abbey. The account was excellent until October 2006 when the company imposed massive interest rate hikes. These interest rate rises have continued up to 23% from 8.5% I wish to complain that these rate rises were unfair and the rate rises and current rate is unreasonable, furthermore in a recent letter from your complaints department it states that terms and conditions that I signed was for the loan interest rate to be fixed for the the duration of the loan until paid. Please see the attached. I only ever signed one set of T&C which stated that the interest rate was 8.5% and variable, no where did it state that it was fixed. I have never received the T&C your staff speak of nor have I signed to agree to this. I am currently in touch with other customers with these products who have had success with interest rate refunds/reductions (through fos involvement) and await to hear your comments. I would prefer to settling this matter with you rather than through the FOS. I look forward to hearing from you very soon. Yours Faithfully

Ok the link in the post below is to my last letter from the complaints department and in here they mention that they advise from their terms and conditions not mine that the loan account that I had agreed was fixed throughout the full term of the loan. Funny I signed something to say its variable from 8.5% so for the past 10 years it should have been fixed they are saying then....???? and it was also accepted they their interest rate was agreed throughout the length of the loan. ME AGREE TO 21.3% am I stupid.... where is form I signed for that??? and they go on to say that Santander has not acted in error. Can I lol here. Who thinks that this loan can be written on based in the false evidence in this letter please advise. PATFLA - can you please send me a sample of the letter you sent them and got back in return to get your loan interest stopped and refunded the interest charges. How did you do this FOS or santander complaints. Thanks in advance. Many thanks

This is it 1 year on and the same reply letter as I got in Jan 2011. After the complaints have been different. I still have no SAR or CCA from them. its off to the FOS. I have requested that half my loan be written off and I pay half. but if they can not produce the information I have requested from them CCA and T&C they be in breech of contract and refund me back the monies from when Santander took over the loan. As its now a fixed loan at 21.5% where I signed for a variable flexi loan at 8.5%. Hook, Line and Sinker. Wish me luck.

Erm if you are in arrears no matter how much they will issue a default notice, have you received a letter before this one stating that they may issue a default notice if you do not amend your arrears? If you didn't then I would challenge them, but make small payment and arrange a repayment plan, either that let the loan default, and have the loan go to their debt collector, but remember with this loan they will continue to add more and more interest even though the debt collectors are trying to get the monies back from santendar. Good luck Jellie Bean

Well there is nothing we can do about the interest hikes according to 'Meg' today from the Cahoot (Santander) customer services department, and she also told me that we cant even change the underwriters mind on reducing the interest rates, what they say is final she says... I ask if I could speak with the CRO but she then went on to say that they couldn't doing about it either. I think Meg is a new employee there, she knows nothing about how banking works. Useless. Anyway Jellybean, I would advise you to contact them and say you have just received the letter (thats it you are bothered about your credit rating) and say in the time the letter has been issued I do not have the means to make a full payment at this time but I can give you a token payment and negotiate a repayment plan that way a default can not be server, but your credit report will say arranged AR, instead each month until the payments have been brought back in line. Good Luck.

I had a leaflet a few months back which had in it terms and conditions referencing that either party can end the agreement. So I wrote them a letter saying I would like to end the agreement and the monies I have already paid to be a satisfactory amount to close the account. The reply was that I have done to many draw downs on the account and the amount outstanding is still to be paid, I am however concerned that in the letter they referred to it as an approximate amount and not the actual amount. Should I question the letter, though I doubt I will get anywhere as I have had no reply for when I sent a SAR letter. I have contacted the FOS, but have had no reply from them either, how long does it normally take for them to reply?? should I call them?

thanks for the info though bud

I spoke with their collections department and they said that they are unable to change the interest to zero even if a default is applied to the account, and I would be liable to pay the interest as well after they have their money back via DCA. Don't want to default really, need to get my credit rating back up to scratch as I would like to get a mortgage as some stage in my life I have already sent a letter to the FOS, in plain english about a month ago, just waiting to hear from them, and yesterday I have written a SAR requesting all the information santander hold on me, cos I have a feeling that they no longer have all the information eg CCA, if they don't then I would be in a better position to tell them with no signed CCA how can the loan be valid as I never agreed or signed an agreement for santander to monitor my loan.

Please enlighten me as to how this would work and what the impact to myself this would be??

I too have the living hell of the old Cahoot Flexi loan, now under the Santander roof. I did the sensible thing of going to Debt-Line..... to help me with the outrageous interest rates @ 23.5%. Stopped my DD to santander and was hit with a default notice threat, without even contacting me first. Then I started the letter war between Debit-Line and Santander, Debt-Line was told that they are no longer able to contact Santander via phone, they had to fax if they wanted anything, so I was in talks with the collections department at Santander, they said they due to the nature of the loan their hands were tied, they could not reduce the rate of the interest, or stop it even if I was on a DMP, they advise I stopped making payments for 7 months after which time it would move to a DCA, but interest would still be applied for the duration of the loans life. So they said it was best if I reinstated my loan repayments with them and then after a few months apply for a fixed Santander loan at a reduced interest rate...... of course my credit file has been hit bad since moving to Debt-line having now 3 missed payments on file, so I am in no good position to do that, besides Santander said I would need to increase the amount of the loan by a minimum of another £1000 to be successfully. I send a letter to Santander asking for my original CCA and statements as advised by debt-line they never replied in the 28 days and just continued to send my monthly statements and another letter of you have been naughty we are now reporting you to your credit agency and placing a default on your account. I have written a plain english letter to the FOS now and have informed Santander of this, and their reply was they doubt the FOS will do anything about my issues with them. I am waiting to find out still, 2 months have now past. To summarise Santander are as uncooperative and they were when the loan was with cahoot.