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    • The summary is that I collected my van after it was towed, drove it 20 metres and saw a panel come loose, I went inside to report it and immediately emailed them, they have since refused the claim as I had already collected the vehicle.   The story:   - Van towed - Van collected, signed out 12:00 - Van appeared visually to have no new damage, was not allowed to drive it until paperwork signed - Upon driving it a plastic exterior panel came loose (this appears to be from when it was craned onto of truck) - I stopped the vehicle 12:03 and walked into their office to report damage - I emailed photos to head office 12:08 - NSL initially claimed they examined photos and damage was pre-existing - I requested CCTV footage of my visit under Data Protection Act. I provided them a copy of my ID, photo, description of clothing as well as letting them know I was the only member of public/customer on-site for the duration of my visit - CCTV footage denied on basis I "was not recognisable" after they reviewed footage - Initially refused to provide any photos of vehicle - Finally produced 0.3 megapixel images, much too low resolution to see anything, but certainly confirming their claim the damage was pre-existing is false - Refuse to provide original full resolution images despite multiple requests - Latest excuse I was gone 15 minutes and could have caused the damage during this time. Clearly a false assertion given I emailed them within 8 minutes and was in their office within 3 minutes of leaving. - I feel by refusing to provide CCTV footage and full resolution photos they are obstructing my ability to prove they caused the damage   The damaged panel tore off at 30mph while trying to go to have it looked at, luckily no other vehicle was damaged, in hindsight I should have driven with the panel being damaged. But this proves the damage is very unlikely to have been pre-existing as the van couldn't be driven.   So I intend to pursue through the small claims court. My questions are:   - I can't afford to fix the van right now and as it is cosmetic, I can still use it without fixing the panel. Can I get a quote from Renault and claim on MCOL for the value of the repair? - Although I was gone only 3 minutes and drove 50 metres from NSL yard directly to NSL office, I did still take the vehicle before reporting the damage, this was due to the panel being pushed into place (but not secured) and therefore not visible until the vehicle was moved. Will this work against me when making a claim? - Does their repeated lying (first claiming it was pre-existing, then falsely claiming I was gone 15 minutes and could have caused the damage then) work against them? - Does withholding CCTV where I was the only non-high vis person on-site on the basis I was not "identifiable" work against them (clearly I was identifiable, I was the guy without high vis on) - Does failure to produce any original images, just very compressed images of the van before and after towing, work against them?   How strong a case do people think I may have?   I have exhausted their complaints process.   Thanks in advance for any thoughts on this.
    • I have recently managed to get rid of some historical debt as it became statute barred and thought I had gotten rid of old debt. However, I have received a letter from a firm of Solicitors chasing the recovery of fees for a timeshare we bought in 2010 privately from the previous owner. We have visited it once and paid fees once in 2011. I have not communicated with them or paid anything since 2011   As far as I am aware, I haven't received any communication from the Timeshare company or the representatives for probably 5 or 6 years. The total debt is £3670.    Is this type of debt subject to the same rules as any other debt, i.e. a default has to be issued 3 months after last payment becomes overdue and can it be statute barred or am I going to have to pay it as it is timeshare rather than a traditional debt. I still have the timeshare but am now actively looking to get rid of it.   Thank you. 
    • Today I got a refund of £25 from Packlink. I have also submitted a claim form with Hermes, as you suggested.   It pays to be tenacious.   Thanks for your advice.
    • Hello there,   My wife (62) has advanced arthritis on both hands and wrists (inherited from her mother's side of the family).   She left her job as a youth carer in January of this year because amongst other issues with her inability to work they pushed her into office and admin. However, with her arthritis, writing or using computers became impossible. As nearly all jobs available requires some use of hands, which she is unable to do, what benefits would be available to her. Does my wife qualify for anything?   Other info. She does have arthritis in all areas of her body, but for example she is able to walk reasonable distances, sit down comfortably for reasonable lengths of time, etc. She also suffers from psoriasis (which may have played a part in her condition).   A friend of hers owns a wine bar and offered her a job (not too taxing) but it required her to carry wine bottles and glass which was OK-ish for the first 60 mins but then became impossible for her to do.   Any help or advice greatly appreciated.   cheers sidley
    • I think it will be very helpful to let people know more detail about these debts. Who is the original creditor? How much was the debt for? When was the debt incurred? When did you last make any payment or acknowledgement of the debt
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sarhoff76

Some advice needed regarding Santander/Credit Style Loan

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Hi

Am very new to this,

although i have read a few things and took advice to try and sort out our Debt problems.

 

I have managed to sort out repayment plans with most of our creditors.

 

The only one we are having problems with is Santander,

who will only agree to a 6 month period for us to catch up on our arrears in the Loan my Husband took out in 2009,

 

we have £3712 left on this loan.

 

We have had problems since July 2011 when my job was made into a job share due to cuts at work therefore i became part time and my salary went down.

 

We fell behind with our debts after a while.

 

As i said we have sorted our other debts out, but santander are saying they will only accept £408 per month for 6 months to pay arrears

and keep up to date with further installments (£240).

Because we couldn't keep to this they then passed the account to Credit Style Limited.

 

I have tried to deal with Credit Style and given them all the information

 

they then came back with the exact same off Santander had because they are working on behalf of them and are governed by what Santander say.

 

If i cannot agree and commit to paying £408 then Credit Style will pass the account back to Santander, and the lady i dealt with said they will do one of the following:

 

If you are a home owner it could be a County Court Matter as Santander will look to secure the £3712.50 balance you still owe on the agreement against your property. I

 

f you are employed it could be Court again to apply for an attachment of earnings or as you state, they may sell your balance to a 3rd party as they do adopt this procedure too.

 

I am afraid I cannot guarantee which approach they will take as they have a department that deals with cases like yours

but I can advise they will give you the chance to pay monthly / weekly and suspend all action unless you default with payment.

 

My question is does anyone know what they are likely to do?

We do not own our own home, my husband works but we don't have enough money coming in for them to receive the amount they want through an attachment of earnings order,

and if it gets sold on are the other companies more likely to agree to a more suitable agreement plan?

 

Am getting really worried as we are slightly behind with Council Tax and Gas/Electric at the moment and i need to pay these debts first.

 

They are the only company that just wont budge on their timescale.

 

Any advice would be really appreciated.

 

Sorry if i've gone on for too long,

 

its my first time doing this.

 

Sarah

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firstly, there would need to be a county court judgment against you before any of what they say could happen (apart from selling on). and as you say that you don't own property? so there can be no charging order.

as cred style are only acting on behalf of creditor, they can't advise on anything that the cred 'will' do. tis up to the creditor. seems like creditor is being unreasonable. have a look at the Lending Code, OFT guidelines, bcobs, etc

if you want to check out the paperwork, could do a cca request.

is there any missold ppi? if so, get claiming on that.

as you say, priority debts first.

 

welcome to cag btw :)

Edited by Ford

IMO

:-):rant:

 

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Absolutely.

 

And don't forget any unlawful charges on the account which could be reclaimed.


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

 

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Hi

 

Thank you for your reply, he cancelled the PPI not long after he took the loan out as i told him it wasn't worth paying for. Have read the Lending Code and Santander do seem to be unreasonable and un-moving in the negotiations. I can't understand why. I have done a I&E and their payment per month would be £141. Do i send them my I&E and just pay the 141 per month into their bank account for the time being even though they are asking for £408? At least i would be paying something, which i assume would go in my favour if they start legal proceedings, it just scares me to death when they start talking about taking my husband to court etc, as he really cant deal very well with stuff like this so its left to me to try and sort out.

 

Sarah

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You can only pay them what you can afford.

 

So yes, pay them on that basis. If £141 is too difficult for you then pay them less. No Judge is going to order you to pay ore than you can afford.

 

Have you looked at the charges that may be on the account?


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

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141/month seems quite alot re 3.7k?, can you afford that? as said, only do what you can afford, not what they want.

there is also the oft guides, irresponsible lending guide, csa guide, bcobs etc

if it was only the first dca, then they might send it out again to another dca. so, prob no legal action to worry about. there is no property! plus you're paying 140/mth, will be paid off in 2 and a bit years!

you asked if it was sold would new owner accept less full and final? probably, as they don't buy for the 'full' amount.

presume this has been defaulted? so, just pay in what you can afford. whilst also doing a cca request? consider full and final if poss?

Edited by Ford

IMO

:-):rant:

 

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Hi

 

Thank you for all your advice, its much appreciated. I am going to send Santander a letter offering them 141 per month and hopefully they will accept that although i doubt it very much as they have been very unhelpful up to now. Fingers crossed though as i really don't want my husband to go through legal action as i don't think he will be able to handle it. Again many thanks for all your advice and sorry i didn't thank you all sooner, i have been ill and only just logged back in.

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I also have had problems with Santander since they took our my Alliance-Leicester accounts. The first problem was my current account went overdrawn by £5. I immediately paid £25 into my account but they still continued to add charges until the account was £401 overdrawn. I contacted CAB and with there help the charges were cancelled. I then wrote to Santander closing my current account, which I had not used for 6 six months whilst the charges were sorted out. The account balance at that time was £0.00. Three months later I moved house and saw no necessity to advise Santander of this as I no longer had a bank account with them. Several months later I met with the new tenants of our property who advised me I had a visit from a debt collector, I contacted Santander who sent me a statement of account, via Westmore's showing an overdraft of £580. There was no movement on the account except overdraft charges on a zero balance. I wrote to Westmores explaining the situation and advising that any more harrassment and I would be contacting the Ombudsman. This was 2 years ago and have heard nothing else. My second problem with them was over a personal loan that I had with Santander for £4200. When I lost my job due to an accident at work I was unable to make the payments. They agreed to freeze the interest and accept a payment of £1 per month which I have been paying now for three years. I have now received a statement yet again at my previous address showing that interest is still be added to the account! I now owe £5120 and at the current payment of £1 per month will continue to ac-cur interest.

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sellessal, have you a thread on this? maybe best start one up. you really need to try and ensure that any interest is stopped. have a look at the lending code etc which says that they should consider interest concessions where there are difficulties (obvious if only paying 1£). there is also bcobs, and also consider a time order if applicable.


IMO

:-):rant:

 

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Thanks for the advice, Ford. I don't have a thread on this but will certainly start one, just need to work out how to do that without having the same post on the forum twice. I will definitely get back in touch with CAB who initially arranged the agreement with Santander three years ago.

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Thanks for the advice, Ford. I don't have a thread on this but will certainly start one, just need to work out how to do that without having the same post on the forum twice. .....

 

no worries there, just click 'post new thread' in the approp sub forum.


IMO

:-):rant:

 

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I have a thread about them as well, we all seem to have the same problem, they just won't listen or deal with the problems.

income and expenditure is all they want. I too was ill, and am now back to work, but willl they listen no.

Watching a couple of threads, as they seem to be so unhelpful...


LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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'they' should accept a common financial statement such as that from the cab for eg. ie not their ones that want your bedroom sizes, house size, ppty owner, no. of creditors, no. of tenants, no. of cars, total household income, ccj's, dick size, etc. you know what i mean :). and even then, could say, have completed cab form for eg which says i have x amount available per month to pay you, and that's what i'll pay. and, stop interest as required by the lending code, bcobs, etc.


IMO

:-):rant:

 

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I know, they don't allow you to live, and we are wanting to go back to full payment


LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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