SANTANDER car loan issues- being nasty - now sold to bluestone/close credit management?

[dx100uk]

sure that's not the updated date

 

dx

[allison6564]

Just checked again and now this is weird it says

Default Date 22/07/2013

Default Balance £9739

and this bit is confusing....

Started 06/06/2010

Current Balance Satisfied??????????

Date assigned to CAIS Member 01/08/2013

 

when I click on the info box about the CAIS member it says that this means the debt has been sold to another member and the old account will close and new one will show with the new lender.

[allison6564]

Can anyone advise on my last post and my confusion etc ...

 

.also sent letter to blxxxx and they signed for it 9th Aug

it was the one re doorstep collectors and

 

I pointed out I am happy to correspond in writing but I would not make appointment for doorstep visit.

 

I came tonight to another letter off them dated 1st Aug even though its now the 12th but it they say in line with the office of fair trading debt collection guidance

we are notifying you of our decision to pass it on to a home collection agency for a field visit.

 

A debt collector will visit you at your home to discuss the issue and arrange to collect the outstanding debt

as well as making an assessment of your circumstances with a view to potential legal action to recover the debt

should you fail to make a suitable arrangment' etc etc

 

Can they insist on a home visit when I have specifically asked them not too.....

[dx100uk]

nope

 

they are NOT BAILIFFS

 

and have NO SUCH LEGAL POWERS

 

only a JUDGE can order a 'home assessment'

 

more bowlarks.

 

ignore them.

 

dx

[allison6564]

I've just been going through this agreement in order to try and find something wrong with it like DX states as

 

still can't understand why they have been so fast to sell it on etc....

 

.the one thing that I can't see on the agreement is a date or signature anywhere????

[theoldrouge]

your confusion- satisfied merely means Satans have sold to these grasping pondlife and been paid by them [probably for around 5p in the pound], and bluestone will now be reporting the ac on your credit file. You should indeed have received a signed and dated copy of your agreement, the sar should reveal alot more

[allison6564]

I've just checked my credit file with Experian and Bluexxxx have carried out a credit check on 7th Aug....can they do this without permission?????

[dx100uk]

yes they hold a CCL

 

nothing to worry about

 

dx

[allison6564]

Right well

SAR request and another complaint letter sent to Santander and

 

yeepppeeee finally had a response to my complaint (this is the 5th one sent!)

 

they say they will respond within 8 weeks.

 

Had another letter from BLXXXXX threatening legal action so just fired off a letter to them

 

first of all stating that their letters are taking well over a week to arrive and to take this into consideration when setting deadlines for a response,

that I consider the account in dispute until I have a reply from Santander etc. And to correspond in writing.

 

Also told them that they should of had a full history of the account etc

and that if they want to pursue legal action then go ahead.

 

Just thought I'd post an update.

[allison6564]

well had the letter below delivered yesterday 27/08 but dated 19/08!!!!

 

They really are so incompetant as had a letter from Blxxx dated 22/08 saying that they are investigating my complaint and will respond within 28 days.

 

I have also had the SAR back from Satans and really confused over the balance on the default

and the one Blxx are saying I owe as they are differant.

 

no record of of any discount being applied just that the final balance after my payments has WO written on it which I assume means written off!

 

I am going to go through all the notes etc this afternoon and will post anything I find.

[allison6564]

Reading all the SAR notes no discount has been applied to the balance at default and they just keep referring that the debt is suitable for debt sale over and over again and then just sell it on. This sounds like a previous post where they have just offloaded it and claimed on the insurance.

[dx100uk]

so more willy waving by them.

 

i'll let OR comment further

 

but there got to be a reason why satan sold this debt

 

strange....

 

poss could be an invalid DN [not giving a clear 14 days]

and

[default balance being incorrect]

 

this would render the termination invalid too I think.

 

dx

[theoldrouge]

Allison,

 

I think it is very important to send a letter today to a Banner Jones to inform them that the account is currently

subject to dispute and complaint with both the original creditor and Bluestone

{enclose a copy of the latest letter from Bluestone}

 

and you are unable to provide a response to their letter until you receive further information from both the original creditor and Bluestone,

which you expect to do by September 19th {28 days from 22/8 as per bstn letter}

 

That will give us sometime to sort out the DN and Balance issues.

 

So could you scan in the DN of Mar26 and the Termination letter of April 17.

 

Did you keep the envelopes these arrived in?

 

and also the envelopes of other correspondence you received from Satans recently.

 

When was the last contract payment made to Satans?

 

How many subsequent £200 payments did you make

 

-we really need to sort out how each have arrived at various balances.

 

also if poss scan in any relevant sections of the SAR

[theoldrouge]

Did the SAR include the original SIGNED agreement if so could you scan in that as well please {its being relied on by Banner Jones}

[allison6564]

Hi thanks for your response and

 

yes agree with everything you say.

 

I have already done a letter to Banner Jones saying that their letter hadn't been delivered until 27th Aug,

referring them to the letter sent to Blxx and their response that they are investigating,

that I have today received the SAR request and have numerous disputes including the balnce etc

and finally stating that I am more than happy to provide any information their clients want to resolve this in WRITING.

 

I will scan the letters now and then post them up.

 

I didn't keep the envelopes for those ones but have kept them for the bluxxx ones although they don't have a date on them but they do have some sort of barcode.

[allison6564]

Right here are all the docs you wanted to see and I have also noted the following.

 

On the original agreement (my copy) there is no date but on the one sent with the SAR (same as mine) there is a printed date stating "signed on 16/06/10

 

now I know this was not the case as it was signed on 11/06/10 same as all the proof of ID that I signed and also the direct debit mandate.

 

Notes from the SAR will follow shortly

[theoldrouge]

ok,

 

still not happy about that rebate,

 

so I suggest a S77 [normal CCA request] request to the proud owners Bluestone with their much needed £1 which needs to show

- copy of executed agreement and

any documents referred to in it

together with statements showing the total sum paid to date,

the total sum payable but remains unpaid and

the basis on which this will be determined, and

 

also a seperate request under S97 of the CCA 1974 {no fee} for a statement indicating the amount that would be required to settle the agreement early

{which must be provided regardless of whether you intend to settle or not}

 

that must show-

 

The total amount payable to discharge debt before deduction of any rebate,

whether entitled to any rebate on early settlement/termination,

 

THE METHOD OF CALCULATION of any rebate,

and the total amount payable less any rebate.

 

Send a CC to Banner Jones,

[allison6564]

so should I send two letters or put both requests in one letter

[theoldrouge]

I would do two letters

[allison6564]

ok many thanks OR I am gonna have a go at these before the weekend as finishing work now and have a few days off before my son goes back to school...they will be ok going early next week won't they? I have the other letter to Banners as prev post which I will post today. I so appreciate all your help x

[theoldrouge]

yes no hurry on those Allison, just Banners that you have done. Have a good weekend

[allison6564]

you have a great weekend too x and thanks again

[dx100uk]

got any more statements than that?

 

I notice they totally break the rules by stating they have sent Anglia to her workplace to repo?

 

dx

[theoldrouge]

got any more statements than that?

 

I notice they totally break the rules by stating they have sent Anglia to her workplace to repo?

 

dx

yes did notice that in SAR Dx, with that in writing may well be worth lodging complaint with her local T/S and informing solicitors that T/S are involved?

[allison6564]

Hi guys back with the living now after a tough week just going to work on the letters to Bluxxxx. Are there any templates on here for the second letter and I assume its just the normal CCA request letter for the first one?