Understand and thanks for that. As to whether they will have the statements I do not know as loan was drawn back in 2002 but worth an ask. Fortunately she has had another success and at the moment we are not desperate to bank the cq, which is what they normally rely I guess?

No, not that I am aware of, the only corres she gets is the standard worded DCA letter from Wescot.

Hi, First time thread, long time reader. My partner made a PPI claim against Santander on a defaulted personal loan the residual debt of which is still owned by Santander. On 11 July they offered £2606.25 in settlement of the complaint but said they would use all to clear the outstanding balance of around £3k. A letter was sent back as follows: Dear Sir, Thank you for your letter of 11 July detailing the offer of redress I have signed the acceptance with the offset wording deleted. I do not consider this appropriate as: The enforceability of the debt is not certain, your letter commenting on being unable to locate copy signed agreements ("unable to locate the interest rates") I am in financial hardship, principally the property that I share with my partner has a mortgage attached which is in arrears and there is a suspended possession order in place. I have attached recent copy correspondance from the mortgage company. This is considered a priority over any alleged unsecured debt I therefore request full payment of the redress by way of cheque to my address at .......................................... and enclose a utility bill verification for your records The mortgage arrears are £1406 and the council tax bill showed £495.79 subject to court proceedings. On 25 July they sent a cheque for £1741.02 but no breakdown of how they came to this figure. When I spoke to the Santander PPI helpline they passed me to collections dept. They did not have any information as their file has been closed down as the debt has been passed to a DCA, Wescot and that she should be grateful as many people do not get any payment in these circumstances. Therefore they could not answer my question on as to whether the held back sum of £865.23 represented pre default notice arrears. As far as I am aware and looking at DCA correspondance the debt has not been sold to a third party. The cq represents 2/3rds of the actual redress and I am thinking this is not a co-incidence, i.e. they have plumnped for 2/3rd rather than any actual figure. The loan repayments were £158.66 plus £8.20 PPI and none of these divide into £865.23. So, I suppose I am wondering as to whether the cq should be banked rather than wait 12 to 18 months for FOS to come back and tell me just that? I am grateful to CAG as this was the resource I used to help compose my letter to them which has helped get to at least a positive, cq in hand, scanario but would welcome any comments from people who may have had a similar experience.