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    • When were you stopped please? HB
    • Really interesting video on 'growth' from some who used to be a top city trader.  
    • Thanks HB, i will take your advice 
    • Update: I wrote again to WODC and again they have failed to reply. I also wrote to my 2 local councillors and the Leader of the council.....   Only one of them responded, my local councillor who also happens to be "Executive Member for Finance" , and he said that he had asked the relevant officer to look into it and report back, then he would come back to me with the response. I haven't heard back and it's now a week. I'm seriously beginning to think that someone there has been alerted to the fact that they have fuffed up, and they are dragging their feet until they can cover their arse! Do you think it is worth sending a reminder email to the councillor that responded, or should I give them a little longer ?  I have stopped receiving SMS's from B&S so maybe they have been asked to lay off, but I have no sure way of knowing ! I also have the email address of the CEO of the council, maybe I should send him a copy of the above, stating that I am still waiting for a response and that I am completely in the dark about B&S.
    • There's no need to borrow words from another thread here; we don't have a template. Do this in your own words or it won't sound sincere and may not even apply to your particular case. If I were in the investigations department, I wouldn't be impressed by someone who copied and pasted rather than write their own letter. And please don't use AI for this, people can spot the style a mile off. Para 1 - tell them why you did it, no excuses other than trying to save money. Para 4 - tell them you're using the PAYG card. They won't tell your employer but you probably should if you're convicted. Covering up a conviction is worse than having one in the first place. ETA: Check if there's anything in your employment contract. As I said, you don't send anything until you hear from them because they won't be able to find your case without their own reference number. HB  
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Santander Default Notice, confused


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I have a Burton card issued to me in late November and paid all the outstanding amounts on it by phone on the 13th of December.

 

The Santander officer informed me by phone that my outstanding balance on the account was zero at that time.

 

Immediately after, i went on holiday and wasn't back till 25th of January.

 

By the time i got back, i found letters from Santander telling me i have late payment charges on my account,

for which a default notice had been issued.

 

I settled this late payment charges on 30th of January, but I am worried that this may now have a long term impact on my credit report.

 

What are some options available to me to have this default notice removed from my file?

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if its solely THEIR charges that have caused it

 

get reclaiming

then the defaults MUST be removed.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you very much for your response.

 

Yes, it is solely their charges that have caused the default notification, nothing more.

 

Can you please recommend to me how i could go about reclaiming these charges?

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see no.3. below

 

have you actually checked your cra file

to see if you did get a late payment marker?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you very much for this, I am becoming really distressed over this issue.

 

I have just gone through the links beneath your post and i found the third link very helpful to my case.

 

I am still awaiting a report from Experian on my credit file, i will take action immediately afterwards and make sure i update this thread.

 

Thank you very much again.

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you might also find a cobs complaint useful.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you again for your help. Do you recommend that i should include in my first letter to them, that i not only consider the charges unfair, but also they may be in breach of their statutory duty of communicating with their clients in a way that is clear, fair and not misleading.

 

7 Communications with clients A firm must pay due regard to the information needs of its clients, and communicate information to them in a way which is clear, fair and not misleading.

 

I made all outstanding payments by 13th of December on the phone, i also secured assurances from the person whom i spoke with, that my account balance is now zero. At this point, no one explained to me that I may have incurred late payment charges on the account. The bank's first correspondence to me was dated 17th of December, stating a notice of default due to late payment charges of 12.50.

 

When i called the branch yesterday before putting up this thread, i spoke with someone who sounded so angry and rude. He insisted that my due date for payment was 12th of December and given that i paid on 13th of December, they wouldn't have known of the late payment charges on my account at that point. He insisted there is nothing he could do to help me and he wouldn't refer me to someone who could.

 

I am honestly willing to go all the way with this and ensure my records are set straight. It appears there's really nothing to lose by fighting, giving up will be a big mistake. I really appreciate all your help with this issue

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