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SAR to Santander


poppy&lucy
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Hi all,

 

Been trying for ever to get a better deal from Santander on my mortgage (re). Am on the SVR @ 4.74% they are offering new customers 2.94%. They keep telling me that thats the only rate they can offer to me, because they look at peoples circumstances, credit rating etc. The FSA have told the banks that they should be viewing existing customers in a fair manner. I did in mid 2011 have some arrears put that was cleared up 14 months ago. I think they have something against me but need to advice on this because they are not telling me anything but taking my normal monthly payment. Always good for the money but better rates!!! Thanks :evil:

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Have Santander reported the arrears on CRA files?

Perhaps look elsewhere if credit files are clean.

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They haven't, just that I'm self employed and will need to self cert. They reckon that they view each customer differently, wouldn't mind but been a customer since the Mickey Mouse Club. Had a lot of savings that I moved from them because there on-line was compromised and someone added over six different names into the 'make a payment' section. They wouldn't tell me how or why this happened, complained and got a blah blah letter. Just wondered if I sar them it will tell me why they are not giving me a decent rate. Cheers

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You can state what docs you specifically want and state ''incuding but not limited to the specified documents''.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Cheers, on something else having an issue with Arrow who bought an alleged debt I had with MBNA. MBNA issued an incorrect default on me asking for a full balance to be paid not any arrears within the prescribed terms I spoke with them about this at the time and they said I had to pay the full balance. Would that make the debt null and void as they did not keep to the prescribed terms of the cca agreement? Cheers again ;O)

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Hi, No a defective DN can be rectified at any time, are Arrow G pushing for payment at present?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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They are indeed, the default that MBNA issued and logged on my file is for 3 days before the default date. Did write to them to asking for the default they sent to see if it would be different and it was. Arrow logged a default to on my file to.

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Arrow would have just updated the files with their details as the new owners of the account, the actual default date MUST NOT be changed!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ok what is the variation on the default dates, if only days it's of no consequence, months or years then needs challenging!

 

Start a new thread for PPI reclaim we have some good specialists on this.!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Also sorry about this, but if the default notice was not stating the actual arrears at the time how can that be right. The default notice looks like something that a kid put together and layout. They ended the account by not adhering to the cca agreement or am I wrong. Thanks again

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Ok, default notices are not routinely archived on records, a creditor can rectify any errors when challenged all that is recorded is that a DN was sent on xx xx xxxzx.

Faulty paperwork is no longer as useful as it was a few years back.

Concentrate on the SAR it's this info that you need most.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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