Thanks

Update Had a statement come from Santander today with a zero balance!!! Statement says the debt was sold in August this year.....

what stops hoisy sending it back to the OC?

so are we waiting for a letter from Hoist?

*Update* had the first letter from Robinson Way this morning.....please contact us so we can help you...

no there is nothing, didly squat. Also there is no other way of this entry being valid as we didnt have any active accounts with them at the time. time for my letter!

Ok - will do the letter this week... (no we dont live in scotland ) Also, are we in a position to advise Hoist that we have no financial liability to them? or is that a non starter now? can they offset against a mrtgage?

there is no other accoount to set it off against? The only payment that went to Santander at that time was the £10 SAR fee. In light of the fact that the old bank account that we had with them was closed in 2009, and the only other account is our mortgage? Can they offset against that? So any steer on resolving would be greatly appreciated.

our mortage is with them, we also had a bank account with them that had a defaulted o/d. long story, they proper messed up the switching process which left us knee deep, that was defaulted and santander closed the acc on 30.05.2009, the od was cleared on / around 09.2009 and my credit file was marked as satisfied on 11.01.2010

Ok, here goes, 23.12.2009 - letter from first credit - final reminder demanding full amount (no NOAA) Letter rcd from first credit inviting us to make a settlement offer - letter undated 12.01.2010 - letter fro. First credit - threat of legal proceedings if no payment made 21.10.2010 - letter from DHS asking us to make an offer of payment. (Hubby did make contact and they wanted £400 down payment before they would agree to payment plan) Letter rcd from first credit inviting to make an offer to settle - letter undated 11.03.2010 - letter from first credit stating instalment default notice, ( we didn't set up a payment plan with first credit) 19.05.2010 - letter rcd from Connaught advising they were instructed by first credit to collect monies outstanding. Reserving the right to commence legal proceedings 28.05.2010 - letter rcd from Connaught 'despite numerous efforts to contact you etc' intend to review for legal action 08.07.2010 - cca request sent to Connaught enclosing the one pound fee 09.07. 2010 - wrote to Connaught advising that we are not corresponding with them and that we contacted santander direct 09.07.2010 -contacted Santander stating a repayment plan of 3% of the balance per month (no response or acknowledgement from Santander) - no payments made to them either 22.07.2010 - letter recd from wescot Notice of Debt Collection, demanding dull payment 06.08.2010 - letter from wescot final notice threat of legal proceedings 23.08.2010 - letter from nelson and co demanding payment within 10 days of date of letter to wescot 15.09.2010 - letter received from nelson and co offering a discount if we contact within 10 days 04.10.2010 letter from wescot threatening doorstep action 08.10.2010 - we write to wescot advising that we do not owe westcott any monies And asking them to prove liability to westcott 18.10.2010 - letter from wescot stating that we have raised a query and they will investigate 20.10.2010.- letter from wescot advising that they have been in touch with their client who has advised the we are making payments direct to them and advising that we should be making all payments to wescot. This in fact is a blatant lie as we have made NO payment to Santander at all! 19.11.2010 - another letter from wescot regarding doorstep collection 23.11.2010 - letter from nelson and co demanding full payment to wescot or repayment plan agreed then legal proceedings will follow 24.11.2010 - SAR sent to Santander enclosing the ten pound stat fee 06.12.2010 - letter from wescot advising doorstep collection 17.12.2010 - response with SAR pack from Santander. No copies of statements just screen shots and an unsigned cca 29.12.2010 - letter from credit security demanding full payment or threat of CCJ. in capital letters 04.01.2011 - letter from credit security threat of legal action And door step collection 10.01.2011 - letter received from credit security on pink paper offering gesture of reduced sum in settlement, reduced by £200 if payment made in 10 days 31.03.2011. - letter received from wescot demanding full payment 11.04.2011 - letter from wescot final notice stating they have confirmed our address demanding full payment in ten days or legal proceedings 26.04.2011 - letter from nelson and co offering a reduced settlement if we contact within ten days, note the letter dated 26.04.2011, actually received 06.05.2011, the deadline date to contact wescot! 20.05.2011 - letter dated from nelson and co, demand payment to wescot May 2011 approx - statement from Santander detailing balance on 01.12.1010 as £1980 approx, 06.01.2011 a £10 credit co-existence collections in default, 30.05.2011 balance £1970 approx 31.05.2011 - statement received from Santander opening balance on 31.05.2011 £1970 approx, also saying 30.11.2011, net balance of the same? 16.06.2011 - letter from credit security demanding full payment 27.06.2011 - letter from credit security demanding immediate payment 06.07.2011 - letter from credit security threatening doorstep action and offering a 200 reduction if paid within 10 days 01.12.2011 - statement rcd from Santander approx bal £1970, also received during 2012 and 2013 30.10.2014 - letter received from Santander advising acct sold to hoist and enc a NOA, I am not sure what that looks like, but a letter enclosed from hoist. Correspondence address is Salford. Also it states that Santander has assigned all of its rights and title to hoist. Any payments made after oct 2014 will be forwarded to Robinson way, who have been appointed to manage the acct, if we are on a repayment plan it will remain in place until 29.03.2014 when our circumstances may be reviewed. Under terms of the assignment and as defind in the DOA 1998 hoist is now the data controller of our personal data contained in the records of this account and they will not change the purpose for which or the way that personal details are used. We are then urged to contact Robinson immediately to make payment That's it!!! According to SAR data the account was written off on 30.11.2009, with the default being registered some two weeks prior to that. However, according to the docs send from santander they say in a letter to us dated 28.10.2009 that they issued a default notice. but this was never received, nor is it referred to in the SAR that we received..... The cca does not have a date on it, and the account was opened in June 2008. For clarity, no payments have ever been made on this account since it was opened..... what bearing this has I dont know.....

I. Going to check the logs again that they resent me, in some comms they refer to the default notice but we don't have it. Yet I have everything else? Odd but not improbable. With regards to the complaint letter I will set about that this pm and will post back for comment. Am I correct in thinking that this debt will become SB from the date of the last financial transaction plus 6 years? As I need to look into this. The cc was taken out in May 2008, so I need to find out when the last payment was made, this has the potential to be SB very soon.... Thanks dx I'm going to check the paperwork again, and will post back the timeframe. I suspect they are hoping by crediting the account by £10, they have reset the clock. What if they refuse to remove the transaction?

There was an articel in Credit Today where it reported that Santander have re-entered the debt selling market again, and have sold debts to Hoist, a very interesting read. The sale took place on 15 October 2014 http://www.credittoday.co.uk/article/17468/online-news/santander-returns-to-debt-sale-rbs-to-stay-out I've had a thought, and I believe the £10 credit that appears to be levied against the account was the SAR payment!! In the SAR pack should there have been a copy of the default notice?. As it seems that we don't have one?

We did a SAR in 2010, it showed nothing untoward, however on reading the paperwork they did not send a copy of the original cca, only a blank copy. When re reading the letter it said this "Historical information can only be retained if there is a legitimate reason for possessing the data in accordance with the rights of an individual. Therefore, due to the time elapsed some of the original account records may have been destroyed in line with our detentions policy. ". This letter was dated December 2010. Will do. Just taking pictures now Have a bit of duplication on the go. (Sorry) Re: SB'd? - OH's santander card now sold to Hoist, robbersway chasing PDF of CCA attached

We used to have a joint account with Santander but it defaulted due to an overdraft in May 2009 and the account was classed as 'satisfied' in January 2010. So no doing there We also have a mortgage with Santander but nothing been added to that at that time, so very strange....

I've had a read, well done to you. You are clearly a very bright person to have learned so much over the time and stand your position. Can someone remind me what an in enforceable credit agreement is? Also, just looking through the old papers on thus account, I notice that there was a credt of £10 added to the account in January 2011. It is for 'CO-EXISTENCE COLLECTIONS IN DEFAULT', any ideas as to what that is? *unenforceable Update folks. This has reared its head again...

Loads of charges!

It's a credit card. And we did the cca request when it was first passed to a dca. It went away for a while. Now it's back. I will dig out old papers....

a very old debt to Santander, cc that was taken in 2008, hubby fell behind in payments. Debt then got passed around several times. We heard nothing for months and months besides the occasional statement. Then out the blue hubby gets a letter front Santander saying they sold the debt to hoist (I have read the recent article in Credit Today) they now demanding money! I'm worried about it, they have sent a Notice of Assignment. Addressed to hubby from hoist. Telling him to contact Robinson way.....

Hi Caro! So am I correct in saying that an account that has has no financial activity (albeit a default notice issued) could be classed as SB after 6 years of inactivity / admittance of liability?

So what about correpondence that I have received? as in statements etc?

Hi Everyone Its been some time since I have posted. Life has most certainly moved on. I do have a question today though, which has been prompted by a lovely letter from a debt collection agency (no surprise there). I wondered if someone could explain to me what stature barred means and how it applies. i.e. at which point does it apply. Is it the last time i made a payment, or the last time the credit company contacted me? I have never understood how it worked and what it meant, so any advice would be helpful. Thank you FDAO

Latest Update The hearing was scheudled for yesterday. My hubby tunred up fpr the hearing, only for it to be settled between the Baristers at the Court. Our Barrister said that my hubby should not have been involved in this situation, as it was a tussle between Enterprise and Ax Ex. Still its settled now, stress over Thank you to all. p.s. to any future readers of this thread, I am always happy to answer any questions

latest update is that following receipt of all requested paperwork the solicitors are still looking at a court appearance? is it likely that this will actually go to court? Any advice? I am of a mind to call the solicitor to find out when the lasdt correspond with the TPI was? Also, if the court awards in favour of my husband are the other side liable for costs of the courts and expenses etc?

I have checked the quote, and they want money upfront! not to mention this is no flush of the existing system - cant help feeling like I am being had over. I have also been told that by agreeing to have this installation i that forgo the manf warranty whcih is 7 years parts and labour and i have to stay with D&G who I have to pay to cover the boiler? please can someone tell me if i am going nuts? but i didnt think that another company can invalidate a warranty provided by a manufacturer?!

will Baxi fit a worcester?