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Santander /CL Finance Good News & Bad!

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The good news is Santander have upheld my complaint on mis-selling PPI on a Wallis Store Card I had.

This acount was transfered to CL Finance as I am currently working with Payplan to repay my debts. The bad news is they have transfered the entire refund to CL Finance and told me after the event.

I'm more than happy that money should go to pay off my debts however I dind't think they had the right to transfer the interest on premium and loss of cash interest award to them as well.

 

Before I put pen to paper ( again) would appreciate some guidance.

 

Many Thanks

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wow Santander paying up on a store card............ woo hoo there is hope for us yet.... i have 2 satnatder store card cases ongoing , laura ashley and russel and brom, Did yours get refered to FOS ?

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If the account was sold then there should be no direct right of set off.

 

If the account is still owned by the original creditor then they can set off against the account.


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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

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3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

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5. Feel Bullied by Creditors or Debt Collectors?

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6. Staying Calm About Debt

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7. Thinking of a Full & Final Settlement?

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Hi There, no FOS involvement. Good luck with your claim!

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If the account was sold then there should be no direct right of set off.

 

If the account is still owned by the original creditor then they can set off against the account.

 

Many Thanks for this - you really are a font of all knowledge!

I heard back form a Supervisor this morning who confirmed that they had passed the debt to CL Finance to collect money on their behalf.

When asked if they had sold the debt she confirmed yes and when pushed stated they had no interest in it but it was their "procces" to offset.

I did challenge the fact that if they had sold and had no interest in the debt weren't they in breach of Data Protection legislation contacting a 3rd Party regarding my account.

Again, this was just their process.

 

Looks like I should refer to FOS. Thanks again for your continued advice.

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The way fos are at the moment they may well say it is OK.

 

If you want the refund paid directly to you then you may need consider court action.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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How far back did your charges go and what APR did you use please

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