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  1. Hi all, I'm struggling to manage my deceased Father's debts as the executor. I'm left with a complete mess of paperwork. There is a little bit of money left in the estate but I'm unwilling to pay up to debt collection agencies unless I know its legit having read some of the threads on here. Santander responded to my SAR request and I've traced back a debt of £2131.92 that was with Hoist, and has been sent to Philips and Cohen since he died - they've not contacted me. However I see the original debt for £3000 dates back to 1999, but the Santander info stops in 2008, 10 years ago - how can I find out what happened in between and if he ever paid anything - I assume if he didn't its now out of statutory 6 years? Any advice gratefully received as I'm currently chasing MBNA and GE money and its all v stressful! Letter/info scanned and uploaded. Thanks very much. scan0042.pdf scan0043.pdf scan0044.pdf
  2. Hi I am helping a friend out with a PPI claim and have sent off the SAR to Santander back in January. This was in respect of an old Dorothy Perkins storecard account she held some years ago. They have replied and provided: CCA's for each account, we requested one and they have sent info for 3 (some of which she had forgotten she had) Lists of transactions - these are mainly internal info and not something useful to us as it seems to be a list of dates and codes (account notes) The letter says available copy statements are enclosed where applicable - but none are Also says that Copies of any correspondence is enclosed but again - there is none enclosed. There is one page which says they no longer hold any information on this account - however they do state an account number. My question is how do we go about finding out the specifics of PPI itself if they only provide the above information? They haven't provided any statements at all (i know they don't have to - and my friend no longer has them) so we have no way of knowing if and what the amounts of PPI added to the accounts were. I would be really grateful if someone could advise my next course of action. Many thanks
  3. Santander is to close 140 branches, putting 1,270 jobs at risk, the Spanish-owned bank said.The lender said the closures are in response to how customers are choosing to carry out their banking. Santander has consulted unions on the proposed changes and will seek to find alternative roles for the 1,270 staff members affected, wherever possible. The bank expects to be able to redeploy around a third of that number. Susan Allen, Santander’s head of retail and business banking, said: “The way our customers are choosing to bank with us has changed dramatically in recent years, with more and more customers using online and mobile channels. “As a result, we have had to take some very difficult decisions over our less-visited branches, and those where we have other branches in close proximity. More ...... https://uk.yahoo.com/finance/news/santander-branch-closures-spanish-owned-101010907.html
  4. Hi I have two ex Santander debts - £4k loan / £1400 cc which were in a Step Change DMP that ended in 2016. These debts are now being chased by Westcot. I received a letter for one of the debts on Saturday, and today Westcot have started calling me. I have not responded yet. I am aware of how aggressive Westcot are, Ive had previous dealings with them. The debts themselves are from around 2011. The letter from Westcot states they are looking for an 'affordable' payment plan. No mention of court has been stipulated yet. I really do not want to have to deal with Westcot again, as they made my life a misery last time. They have given me 10 days to respond. Would it be better to write to Santander instead? Or should I request that Westcot send me proof they can chase the debt? Many thanks in advance for any help. RJW
  5. Sant refuse to allow payments to registered payees unless I give a mobile number for them to send a OTP I have a registered list of payees but S will not allow online payments without a mobile number. The Ombudsman has said Sant can create any Ts&Cs it wishes and this is covered in new Ts&Cs. FCA says S are not 'in breach' I am seeking another way to contest this demand as it puts me at risk of IT attack because I cannot operate a mobile phone securely and also I consider that it is a 'harvesting tool' for S's benefit. I have other accounts banks and brokers and none have demanded mobile numbers. S declares it as a necessary safety requirement. but that is plainly untrue. I am aware that I can change banks but that is to gift victory to Sant in a dispute that involves that section of folk who do not have a need or want of a mobile phone. Surely there has been a long enough history of banks imposing restrictions on customers that benefit only the banks and dis benefit the customer. Can anyone offer guidance as to how to bring pressure on Sant to revise its policy.
  6. I will start with possibly the easiest question first - I got a letter from drydensfairfax regarding an unsecured loan I still owe money on, this goes back to 2008, I think. I have paid half of the original loan. Former partner is on the loan too. I was paying it back to avoid trouble, as you do. I then had two companies chasing me at the same time, Moorcroft and someone else. Naïve, I rang Santander who said they would clarify. Then ex put the loan into dispute, for his half, so naturally, I wasn't able to pay. The dispute was settled not in his favour and I waited for instructions, from Santander on who to pay. So, the letter has arrived, telling me "not to underestimate the seriousness of this matter" and to contact them by 16th to discuss repayment. The letter states that they are acting on behalf of their client, Santander. I realise the dates are missing on this, as an initial query, my first question is who owns the debt, the letter seems to imply that Santander does, and they are just collecting for them? Can you please help me get mental clarity? thank you xxx
  7. My partners ex husband took out a mortgage with abbey national 24 years ago , my partner moved in and her ex was working away , they split a year later and he emigrated, my partner carried on paying the mortgage from her bank not knowing it was an interest only mortgage, the lump sum is now due and we haven’t got it , we’ve phoned Santander and because of data protection they won’t discuss it with her , she has lost touch with her ex and all we know is he is in the USA somewhere, what can we do ? They won’t tell us if they are going to repossess the house or not
  8. Hi All, I have a mortgage with Santander. I have just received a letter saying that my payment will increase due to the increase in BOE rate. That's fine but it's just arrived today for the payment that's due tomorrow! I pay by Standing order and already paid this month. Don't they have to give a little bit more notice than that? the letter is only dated Sept 2018 (no actual date!) I know it's not a massive increase at the moment, but if it was the notice given wouldn't be enough. Is there some rule about this?
  9. Took out a loan with A+L in 1998, trying to claim the PPI and Santander say they don't have any details on their system now, due to the time that has lapsed. How can I get the account number for the loan, as I have moved 3 times since, and my documents for the loan have long since disappeared too. The loan was for £7500 and the PPI added was £1200 which over 20 years is going to be a considerable sum!
  10. Hi I am hoping someone can help. I currently have a mortgage with Santander. I lost my job at the ed of March and have been taking money out of my mortgage to keep making the payments in the belief that i would have a job by now. I have also been diagnosed with depression. I should be able to make this months payment (after withdrawing money from the account again) and I have only just started claiming Universal credit. Can I ring the back and ask them if they would consider taking a small amount every month for around 6 months until I can get better and back on my feet. Thank you for reading and also any replies
  11. Wife had a Burtons card from 2003-2014 and I submitted complaint via Santander website, cited numerous reasons for PPi missell and had a reply today: Seems they don't think they should uphold ( unsurprised !) but for 2 of the reasons I gave they want more info about in the form of a questionnaire, savings i.e where they came from and where were they lodged ??? Also she works for NHS and they want proof of her sickness benefits at the time ?? Haven't got any proof of savings but can hopefully get something cobbled together from her employer but will this suffice? Whats annoyed me is there's no acknowledgement or reasons for not upholding other areas of my complaint such as: adequate needs assessment being carried out, training of staff , pre ticking of the box on the form, saying it was mandatory.
  12. Submitted claim for mis sold PPI on Debenhams store card in Feb 2016. The card was sold to me whilst being served in Debenhams clearance dept in 2000. Queue of people waiting : assistant "crossed" the parts of the form including payment protection. Santander dismissed my claim : not mis sold : Couldn't refer to FOS as pre- regulation. However Santander then wrote back after the Plevin ruling. Possible unfair relationship because of the commission. They rang me last week for further info ie employment, savings etc at the time I took the card out (18 years ago!!). They say I will have a final response by 5th July 2018. Not holding my breath, but let's see. Am I correct in my understanding that if they refuse my claim I can then contact Genworth Insurance and if they also refuse I can then refer Genworth to FOS?? Many thanks as always
  13. Santander Default Short story first – I had a financial Problems due to Gambling , pay day loans etc… I sorted everything having help from the Forum here sending complains and going with some of them for Monthly repayments plans. I have arranged all payment arrangements myself, and done all negotiating myself also. I have a Loan with Santander and from October my Monthly payments were not any more affordable for me I called Santander and we agreed minimum payments each Month of £20.00 where I was paid anyway usually £100.00 or even more. I never missed anything what we agreed. After a couple of Months I received letter about arrears I called them again and someone told me that its automated printed letter and because I am on the repayment plan I should not be worried about and I should continue paying what I can. On Friday I received another letter dated 22.05.2018 telling me that they going to place Default on my account. I was sure that being on repayment plan Default won’t be placed I just called them again and someone from collection Team told me that I am not an arranged plan or repayment plan so they can place Default. How many days I have to clear my areas (I have around 2,600.00) – I am not sure if I can pay this in full in one go but do I have some time to stop them? Can I put my account on hold and complain because of the wrong information given? I have to add that I don’t have any copies of the letters which I received from them, I didn’t keep them, probably my fault.
  14. Hi Im trying to claim mortgage charges on a mortgage taken out in1984 and redeemed in November 2004 initially with Alliance&leicester the initial period was 25 years and the total of the charges is£1,555.00 plus compound interest total £2,527.69 This claim ia now in the small claims court and Santander solicitors has submitted a application notice to get the claim struck out and the hearing is on May 3.In a letter received yesterday they mentioned section 5 of the limitations act and said the sums claimed were irrecoverable. They say i can withdraw the claim and pay santander just under£300.00 or if i pursue the claim they will claim the full costs witch they estimate at over£1,500 advice please
  15. I have just received a letter from Howard Cohen and co solicitors Without prejudice as to save costs settlement offer Including claim number With reference to my defence please find enclosed Signed credit agreement Default notice Statement of account Certificate of name change Original court claim was Feb 2015 I defended it with CPR request they failed to respond to my defence judge struck it out Taken them two years to respond (2 days short of) The last payment was November 2011 so over the 6 years am I right in thinking that they can not restart the 2015 claim and would have to start a new claim from now but now statue barred Thanks
  16. I'm just wondering if this is in breach of responsible lending rules and if I could do anything about it. Years ago I realised I had a bit of a gambling problem and when having a slip what would happen is I would lose all of my money, then keep extending my overdraft to the maximum chasing the loss until everything had gone. Around 2 or 3 years ago I told Santander about this gambling problem and made it clear to them I wanted no overdraft facility on my account whatsoever. At the time they told me that overdraft facility had been removed from my account. I tried to create a £50 overdraft in my online banking and sure enough I couldn't. Several months later I had a huge gambling slip and when I emptied my bank, I tried to see if I could create an overdraft in my online banking account and sure enough, I created a £500 overdraft and lost the lot. I made requests several times again to stop any overdraft facility on my account, but they never helped with this. Last year was horrid. In January they let me extend my overdraft to £2000 (Which was ridiculous considering I was only earning £420 a month carers allowance and income support). I had a huge slip when mum died and lost everything in my bank and the entire £2000 of my overdraft. Towards the end of last year and start of this year, 2 more slips where I was allowed to create overdraft amounts of around £1000 where I had to sell my Santander shares to clear the overdraft. Then this year. I made a complaint with them about this, yet it was vastly ignored. I got a complaint response in a letter but again they said nothing apart from every few months they review overdraft facilities on peoples accounts and set the maximum overdraft limit. 2 months ago after doing so well I had another slip, I was allowed to extend my overdraft to £600 and again lost the lot gambling. Then now in the last 2 weeks, just as I managed to clear my overdraft (After paying £1 a day in charges for the last 2 months), I had a slip. I only had about £80 in my bank, but Santander allowed me to extend my overdraft to £700 and I lost the lot trying to chase back that £80 I lost. The thing is, Santander have been fully aware of my gambling problem. I can safeguard myself by leaving minimal money in my bank (withdrawing as much as possible to store at home), but the overdraft facility is something they won't stop for good on my account. In fact, every single time I have increased my overdraft limit or created an overdraft, it has been lost gambling online right after. I have never once increased or created an overdraft for any other purpose. Thanks
  17. Hi all, Today i received a random letter from Santander regarding a £5500 loan debt. At first i was wrecking my brain what hell is this as i have my bank account with them. Thought i was stung for fraud again. There was no information, just my name, a sort code and an account number. It states opening balance march 2017 and current balance sept 2017. i googled the sort code and seems it belongs to a cahoot accounts. The last cahoot loan i took out was over 11 years ago (march 2006 to be exact), im almost certain i settled this (but haven't kept all those papers) and it would surely be statute barred? Wondered if i could get some advice? Ignore, write a letter? Thanks
  18. Hi, Trying to claim mis selling from Santander ( bought as A&L mortgage 1991). I have completed a questionnaire, they came back with it was another company who sold me the endowment, on submitting a request to them, they say an agency worked in their office, it has now ceased............... .Im struggling, I'm sure I've read somewhere whoever the mortgage/endowment policy is with, ultimately they are accountable by law, cannot find this anywhere now. Can anybody help me out with some advice on where to go with this please?
  19. Just received a letter from Santander stating my overdraft has been sold to Cabot The letter states that Notice of Assignment will be forthcoming from Cabot In the same envelope was a welcome letter from Cabot stating the usual things about 'how my experience Cabot will be different' blah, blah, blah. The account was setup in 2005 and the overdraft is approx £5400 The last payments to the account I am aware off would have been Jan/Feb 2013 Not sure what the process is regarding overdrafts and what documentation is required etc to prove in court, so if it's a different ball game compared to a typical credit card or catalog debt then I would really appreciate the heads up regarding what to expect now.
  20. I recently put in a CCA request to Santander for an old GE Capital loan that they took over. The loan was taken out in Oct 2008, defaulted a few years later and I have been making reduced repayments of £62 pcm for the last 6 years. My circumstance have now changed and can no longer afford that. Santander returned the attached signed agreement. Please can you check if it is a valid/enforceable agreement. They also sent a signed direct debit form and application data summary sheet with it. If enforceable, will I therefore need to renegotiate reduced payment with Santander to avoid a CCJ. Thanks in advance for any help!
  21. Apologies if this doesn't make sense, first timer here. Two years ago, I applied to my old mortgage lender Bradford & Bingley who are now under Santander, regarding PPI. Gave all necessary details and had a letter to say I didn't qualify. I shrugged it off. However, during a recent conversation with a friend, I explained I fell at the first hurdle. He advised me to reapply and to request what grounds I was unsuccessful for claiming PPI. Have I got a chance to reply, or is it a case of a final decision on their part with their initial reply from two years ago? Thanks for having a look at this post
  22. Good afternoon everybody, A long time since i've engaged on this fantastic site,had an awful lot of trouble at the Vicarage but thats for another day. Just a little bit of thought regarding this matter would be welcome, Abbey National - Santander Had a bank account and overdraft got into difficulties not going into more detail no need to at this point in time. Account ended up at Debt Managers around 2006, balance of around £2500 i did setup a payment plan and that continued until June or so this year. Received letter from Arrow - Capquest, saying Capquest are now managing on behalf of Arrow, balance around £2100. The question is do i engage with Capquest and set up new payment plan ? i have no problem with that for time being,as some more hornets nests are gonna get rocked over next few months i think. I think a cca request doesn't count in this situation ? Bless You, The Reverend
  23. Santander have rejected my PPI claim (store card) from 17 years ago on the grounds they believe it was sold in a proper manner (over the phone - which it wasnt - as I signed-up in-store with an agreement the assistant ticked for PPI) and was offered as optional and appropriate for me etc etc - which I absolutely disagree with. I have issued a SAR - but already do have copies of Agreement and statements etc. Unsure of whats best as next move - do I escalate issue with FOS (that I'm not hearing good reports about!) or small claims action? The amount of money involved is probably fairly small (circa £200 in PPI premiums?) Any thoughts appreciated!
  24. Back in 2008 husband died. Mortgage in both names. Santander was sent a copy of death Certificate so Mortgage details could be updated. I thought nothing more of it In 2010 I remarried, went into Peterborough branch with a copy of marriage certificate showing new name and asked if this could be recorded on my Mortgage account. Spoke to Manager about the possibility of the mortgage being portable should I sell. Mortgage statements arriving still in former name, only addressed to me, so it is obvious Mortgage has never been updated. During this time i was arguing with Santander over PPI regarding a loan account taken out back in early 2000's. I never told Santander my new married name, suddenly paperwork arrives in new name regarding this loan account. yes I did get mis-sold PPI repaid. Yesterday i was thinking about getting my paperwork in order a new will to be written, I would need the Land registry Title and Mortgage details. i downloaded a copy of the title of property and there it is still showing with both late husband's name and my former married name on the title. lender is showing as Santander. Originally the mortgage was with Abbey, at some stage Santander updated the lender details but nothing else. the details were lodged at the Peterborough office of Land registry. my questions are who should have notified LR of the name change? Why is Mortgage still in Late husband's name and my former married name? Santander are quite aware which account is being used to pay the mortgage repayments and whose name is on the account, yet they have never queried this. I also keep copies of everything I sent to Santander and got a receipt for the documents i gave Santander to change the mortgage details. I am being proactive and going to make an appointment with the Peterborough office of the LR and take the completed ID1 form and and AP1 Forms with me, with the required proof of identity. of course if I die and my current Will stands, Mr Hobbit is going to have fun and games, so i need to get this sorted sooner rather than later and I don't want to involve a solicitor for all the preliminary work regarding sorting the title of the property before anything else. i know there will be people who will say i should have sorted this before now, but there have been far more pressing matters to sort out before this, now this is the last thing on the list and am wondering about a letter of complaint to Santander about this, or go and see the branch manager in person to get it sorted? I have another 12 years to pay on my mortgage, so I had better live to 85, if Santander can't get their records straight.
  25. Due to recently selling my house and buying a far cheaper house elsewhere I now have a bank balance of £149,509.10 in my Santander account. Despite this they pay me no interest at all. Santander said I could obtain a different type of account that would pay me interest but only on a balance up to £20,000. I am of the impression that the bank doesn't want my money and would prefer me to transfer it elsewhere. I find this very strange indeed because I thought banks needed people with large balances so they could lend to other people and charge interest on the loans. Seems to me if you have a fairly large amount of money the last place you put it is in a bank. Having no idea where to invest my money I assume I will have to just leave it in the bank and watch it depreciate due to inflation. Oh well, such is life.
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