Allian Leic/Santander address

[veryweary]

Does anyone have the addresss to send a CCA request to Santander who have taken over an old Alliance and Leicester loan.

 

Been making reduced payments every month for past 6 years, and somehow the amount has just had £1220 added in interest out of nowhere.

 

Have 6 years of statements showing the full interest was front loaded at beginning of loan, and an outstanding balance I would have agreed with, prior to this recent interest addition. Basically if this is correct they've just wiped out 5 years of payments with this interest:mad:

 

Doesn't seem to have been much point in making reduced payments on an araangement with them. And I certainly won't be making any more..

 

But this recent statement from Santander only gives a collection P.O. Box address, and not sure if its the correct place to snd the CCA request.

 

thanks

[Craigbadger]

Santander

Po box 1111

Bradford

bd19nq

 

Should get to where you want.

[MARTIN3030]

Here are the details of their CCA licence-note the addresses lower down.

 

 

 

Application / Licence Details

 

 

 

Licence Number:0422131

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Alliance & Leicester Public Limited Company326713

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:Yes

 

 

Trading Name(s) (Current):

 

A & L Direct Alliance & Leicester Alliance & Leicester Cash Solutions Alliance & Leicester Commercial Bank Alliance & Leicester Commercial Banking Alliance & Leicester Commercial Finance Alliance & Leicester Direct Alliance & Leicester Giro Alliance & Leicester Giro Personal Banking Alliance & Leicester Personal Financial Planning Alliance and Leicester Giro Personal Banking Alliance and Leicester Personal Financial Planning Alliance Business Banking Billpay Giro Personal Banking Global Debt Management Services MB Bank Moneyback Bank MovingImproving Santander Santander UK Security Investigations Debt Recovery Divisions SmarterMotoring

 

Trading Name(s) (Historic):

 

Alliance & Leicester Business Banking Alliance + Leicester Giro Personal Banking Alliance + Leicester Personal Financial Planning Alliance Business Banking Atlantic Chase

 

Issued Date: 21-Apr-1997

Expiry Date: 01-Jan-2013

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

 

NamePosition Alison Jane Brittain Antonio Lorenzo Antonio Mota Desousa Horta - Osorio Jane Victoria BarkerDirector Jose Maria Cotanda Jose Maria Fuster Van Bendegem Juan Rodriguez InciarteDirector Karen Mary FortunatoSecretary Keith Spencer WoodleyDirector Lord Terence Burns Rosemary Prudence ThorneDirector Roy Drysdale Brolon

 

Historic Individuals that run the organisation:

 

NamePosition Angus James PorterDirector Christopher Stuart RhodesDirector Christopher Stuart RhodesOFFICER David Jonathan BennettDirector David Peter BroughamOFFICER Derek Alan Higgs Edward Jonathan WattsOFFICER Edwards Jonathan WattsDirector Edwin John BadenOFFICER Frances Anne CairncrossOFFICER Francis Ann CairncrossOFFICER George Nicholas CorahOFFICER Ian David BuchananDirector John Robert WindelerOFFICER Julian HepplewhiteOFFICER Kevin Charles SouthwoodOFFICER Malcolm Peter Speight BartonOFFICER Malcolm Roger AishDirector Malcom Peter Speight BartonOFFICER Margaret SalmonOFFICER Margaret SaumonDirector Mary Elizabeth FrancisDirector Mr Derek Alan HiggsOFFICER Mr Michael John AllenOFFICER Mr Michael Warwick ThompsonOFFICER Mr Peter John StoneOFFICER Mr Richard Lee BanksOFFICER Mrs Sandra Judith OdellOFFICER Nathan Mark BostockDirector Peter Denis McNamaraOFFICER Peter Richard WhiteOFFICER Richard Alan PymOFFICER Richard Lee BanksDirector Robert Michael McTigheOFFICER Robert Michael McTigueDirector Rodney Jympson DukeOFFICER Rooney Jympson DukeDirector Roy Drysdale BrownDirector Simon EverardOFFICER Simon Timothy LloydOFFICER Sir Michael Warwick ThompsonOFFICER Trevor Martyn HilliardOFFICER

 

Current Organisations that run the organisation:

 

NameCompany Registration NumberPosition ColesShaun

 

Nature of Business:

 

Banking services Other

 

Current Address(es):

 

Address TypeAddress CorrespondenceB3/F2, Carlton Park, Narborough, LEICESTER, LE19 0AL, United Kingdom Principal Place Of BusinessCarlton Park, Narborough, LEICESTER, LE19 0AL, United Kingdom Registered OfficeCarlton Park, Narborough, LEICESTER, LE19 0AL, United Kingdom

[veryweary]

thanks:)

[veryweary]

Asked for copy of loan agreeement and terms and conditions at time loan was taken out. they have sent copy of agreement but no terms and conditions.

 

2 questions

 

In the prescribed terms they quote an APR interest rate of 10.4% only. They have then taken 10.4% of the loan amount and front loaded the total interest onto the loan. Is that correct, and does it meet the criteria for being a proper prescribed term?

 

The figure had been reducing from the overall total, but all of a sudden last year they whacked another £1500 onto it as what can only be additional interest. This means that my reduced repayments over the past 4 years have been wiped out in a single stroke. How can this be correct when they have already front loaded the total interest at the strt of the loan?

 

Can I put this account into dispute as they have not supplied the original terms and conditions which would allow me to check whether they can just whack addtional interest on then they feel like it.

 

thanks

V.W