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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

bright_future

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  1. bright_future
    I dont rate clearscore. I find it to be style over substance. I find the info very low value. noddle: have just checked. not a single reference to this debt. The numbers a very similar to a Santander annual statement I get. So I suspect its them. Can I assume its one that the default date has gone over the 6 years? Having a look at all my "defaulted" ones, the dates are all mid-late 2010. So it seems to be around that ball-park. I am pretty sure some previous report showed one account as "satisfied", but cant remember what company provided that. I guess I need to just take a breath and hope I can reach 2017, by which time most will drop off the credit reports? I dont want to rock the boat so close to the cut-off. I am such a dummy. There is a tab for "Closed Accounts". Its there as "closed". But it isnt. Guessing, from Santanders perspective, they are done with it, having sold it off. Its a question of who they sold it off to. The solicitors, who havent contacted me since, are probably not the owners, but acting on behalf of someone else. I guess I just let things remain quiet?
  2. bright_future
    got the Experian thing. actually, the report seems strangely short! I remember getting one years ago, and it seemed to go on forever. there are no references to the santander / mbna account. there are no accounts showing an outstanding value near the value of the monies robinson way are referring to. since I cant find any evidence of the account on experian, do I have to get the equivalent from equifax?
  3. bright_future
    will try and update when info arrives.
  4. bright_future
    no, not really. that was the time when my world was pretty unmanageable and messy. I dont have any bank statements going that far back.
  5. bright_future
    date closed = 23/11/2010 default date = 11/11/2010 (the amount shown is £20 less than the amount Robbersway are asking for) have just tried clearscore. It seems useless to me. Just generic high-level info, and a "dashborad" graphic. I cant find anywhere where I can get a download of my report! NB: the only tab that seems valid id the "overview" tab. I find clearscore pretty much useless, as it seems to give no meaningful or useable info. am I looking in the wrong place?
  6. bright_future
    I cant find the specific santander debt on my credit report. (using Noddle) there is a Santander credit card set to "Satisfied" on the "Closed Accounts" tab. (dated 23/11/2010) But, there isnt a listing under the "Open Accounts" tab for who might have bought it, so not showing an owing amount against any company. Is Noddle reliable?
  7. bright_future
    I will check and respond to the last 2 posts in next day or two.
  8. bright_future
    I requested the CCA, to which they responded. I think the SAR has the details, which I havent asked for. I suspect there are no reclaimable costs. The "I cant pay, stop the added interest and fees" was honoured when requested. (this goes back about 6 years when it all went bad for me)
  9. bright_future
    my letter from Robbersway clearly describes it as Santander Bank plc, not mbna. (unless mbna own santander?) I cant remember if it was an on-line sign-up. never thought of that. re: constituted doc. it isnt the sort of format an agreement would normally look like, so I thought it wasnt a "true copy". does the pre-2007 thing not apply to on-line sign-ups? assuming it was such. in which case, I cant think of any thing to reply with to rebut their demand for payment.
  10. bright_future
    a quick google brings a response that I can understand. (I will search for more examples, in case there are better ones) It highlights the pre-April 2007 / post April 2007 requirements. Hopefully, thats a comprehensive answer I can use in my reply. (it clearly requires a signature by myself AND the other party. My reconstituted copy contains neither.) 2: backdoor CCJ: how on earth does that work?! It means they can do something without giving me an opportunity to defence? that cant be right?
  11. bright_future
    ok. 1: re: "if they have one to send": what if they dont have one? can they "magic" one up, like they seem to have done. 2: The date is 30/10/2006, therefore, I take it, they cant use a reconstituted copy? (ie, after April 2007.) Is there a specific piece of law I can point them to about this April 2007 timestamp? thanks
  12. bright_future
    I got 6 pages. The first page was a covering letter from Robinson Way. (I havent uploaded it) The first page I have modified to obscure personal details. The other 4 pages are pretty generic, and are in PDF format. santander_cca2_20160323.pdf
  13. bright_future
    thanks. will upload this evening.
  14. bright_future
    it says 30/10/2006. PS: I think the complication is that is may have been with Abbey, who got bought by Santander.
  15. bright_future
    Asked for a copy of agreement, a CCA. A Santander credit card, being chased through Robinson Way, solicitors. They have sent a reconstituted agreement. This has NO date, nor my SIGNATURE. In fact, it is just a normal looking letter. I thought it should be at least a photocopy of something I would have signed. Is this a valid response to my request? Should a CCA request mean they send something with a datestamp, and a signature? I can upload their letter if it helps.

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