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Santander can anyone advise please


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I have a loan with Cahoot/Santander, this was transferred from Cahoot to Santander I have had no notification that this has happened no letter asking for a new direct debit to be set up to pay it only letters stating what I owe Santander!

I requested a CCA and received one with all Cahoot details on it. A letter received from Santander today states it is shown in T&C that they are required to provide me with 30 days notice of any changes they state that on the 12 th Jan they provided a Notice of Variation I did not receive it also the interest rates have shot up from 6.63% to 16.61%

Can anyone advise me where to go from here please

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I cannot remember getting a letter in the post but I do still have the email they sent me which was dated 18th March. This was the 2nd email they sent me but I do not have the 1st one.


How this afefcts the situation I do not know, sorry.

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