Please Help Emotional Wreck!!!!!

[postggj]

Dear Sirs

 

Account number

 

I write with regards to the above account with your organisation.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as i have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed.

 

ADDITIONALLY I REQUIRE THE UNDERWRITING SHEET OR OTHER DOCUMENT SHOWING ANY COMMISSION PAID TO YOU BY A BROKER OR BY YOU TO THE BROKER.

 

I CONSIDER THE SALE OF THE PAYMENT PROTECTION INSURANCE TO BE SUBJECT TO MISSELLING.

 

obviously if the agreement is improperly executed i would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the CIVIL PROCEDURE RULES ( Pre action protocols and Part 31.16) and therefore unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which i have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides

 

I look forward to your reply and wouyld ask for a response by 4pm on 24/06/2010

Regards

 

 

 

xxxxxxxxxxx

[postggj]

Before Yhou Send These Letters

 

what Address Is Given On The Code Red Letters

 

I Know Its Abbey/santander In House Dca But Just Confirm

 

Does This Code Red Have A Company Or Credit Licence Number On its Letters

[housewife23]

Po box 224

leeds

ls27 1dp

 

 

 

No the letters dont have any of them things you have asked

[postggj]

Give Me Half An Hour

[welshwizard]

Before Yhou Send These Letters

 

what Address Is Given On The Code Red Letters

 

I Know Its Abbey/santander In House Dca But Just Confirm

 

Does This Code Red Have A Company Or Credit Licence Number On its Letters

 

Should letters from DCAs have both Company Registration Number and Consumer Credit License number?

[postggj]

What Phone Number Is On The Letter

[postggj]

Should letters from DCAs have both Company Registration Number and Consumer Credit License number?

 

 

YOU ARE READING MY MIND

[welshwizard]

Not reading your mind, just wondering for my own fights.....

[postggj]

If Its A Dca Collecting Money The Credit And Companies House LICENCE Number Needs To Be On The Letter

 

Naughty Abbey/santander

[housewife23]

The phone number on the letter is

 

0845 848 8943

[housewife23]

Is it alright to send these letters off now

[housewife23]

If Its A Dca Collecting Money The Credit And Companies House LICENCE Number Needs To Be On The Letter

 

Naughty Abbey/santander

 

 

Relating to above, at the very bottom of the Code Red letter in very small print is the following text:-

 

Santander Consumer (UK) plc trading as Code Red Collection Services. Registered office: 3 Princess Way, Redhill, Surrey RH1 1SR. Registered in England number 2248870. Authorised and regulated by the Financial Services Authority for General Insurance mediation activity. Please not if you live in Scotland a Decree for payment may be forced by way of an Earning Arrestment, Letters of Inhibitation or Sequestration and if you live in Northern Ireland a Decreefor payment may be enforced by Attachment of Earnings or Seizure Order.

 

 

is this what you were relating to as a HOUSE licence number???

My husband pointed this out and thinks its just the company/VAT registry number but he thought i should double check.

 

 

Again i would like to show my gratitude for your kindness in helping us with this matter, we are forever in your debt (excuse the punn !!)

[housewife23]

My husband has recieved paperwork of santander today. The opening letter told us there were things they couldnt provide us with:

 

"we can confirm that we are unable to supply any details regarding the commisdions paid on the account as this is between santander consumer finance and the dealership. "

 

"We are unable to provide underwriting notes but we can confirm when underwriting the finance proposal we base our decision on the customer's personal details and circumstances provided to us by the dealership and their credit history, which is logged with experian and equifax."

 

 

They have supplied us with a copy of contract, statement of payments and all letters sent to my husband since he has had agreemenet.

 

Have you any advice where to go from here. Thank you

[housewife23]

:(Hi sorry to be a pain. Just wondering what my next step is!

 

Can anyone give me some advice from here please.

 

Getting in a panic now

[Pinky69]

There is nothing for you to do but wait for a reply from Code Red, with whom you are now in dispute. Less is better when dealing with creditors. Only respond to what they send. They must put all action on hold until the dispute is resolved.

[housewife23]

Ok thank you

[welshwizard]

Dear Sirs

 

Account number

 

I write with regards to the above account with your organisation.

 

I respectfully request that you provide me by return a copy of the credit agreement which bears my signature. I require this as i have reason to believe that there may be discrepancies within the agreement which may leave it improperly executed.

 

ADDITIONALLY I REQUIRE THE UNDERWRITING SHEET OR OTHER DOCUMENT SHOWING ANY COMMISSION PAID TO YOU BY A BROKER OR BY YOU TO THE BROKER.

 

I CONSIDER THE SALE OF THE PAYMENT PROTECTION INSURANCE TO BE SUBJECT TO MISSELLING.

 

obviously if the agreement is improperly executed i would be entitled to ask the court to consider the agreement and make a declaration of the rights of parties to the agreement.

 

I must stress this request is NOT made pursuant to section 78 Consumer Credit Act 1974 but is made pursuant to the CIVIL PROCEDURE RULES ( Pre action protocols and Part 31.16) and therefore unsigned copy will not suffice, only a copy of the original contract in its unaltered form will suffice in these circumstances

 

Please confirm if you still hold a copy of my signed agreement and that you will provide me with this document.

 

I do not view this as an unreasonable request given that by supplying the document which i have asked for it will allow me to assess if my case has merit and will help to resolve matters possibly without the need to involve the court and will undoubtedly save costs on both sides

 

I look forward to your reply and wouyld ask for a response by 4pm on 24/06/2010

 

Regards

 

 

 

xxxxxxxxxxx

 

Could I use this letter to place an account into dispute with a mail order firm - they applied PPI when I was in recipt of IB (so surely this would certainly be misselling), and are still charging interest on everything.

[dx100uk]

well reclaim it then

 

dx