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Cahoot/Santander re cc and a flexi loan


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I sent off a basic letter to Santander regarding 2 old accounts that I sed to have. Both now closed down.

 

I do not have any paperwork just found an old credit report in my files so thought I would try.

 

Like I said it was a basic letter. Just giving the account number/ credit card number and saying that I was mis-sold

as I have a pre existing medical condition dating back to 1997 and also I was entitled to full pay when absent through work.

 

Today I have received a letter from Santander offering me £439.18 as full and final settlement on ms sold ppi for my credit card.

It's broken down as monthly premiums £420, interest on total monthly premiums £19.18.

 

My question is,

sorry questions are t

 

hey haven't really provided and breakdown or what Interest figure they have given?

Is this normal?

Is it really this easy?

 

They ave asked that I sign a return the form and money will be paid to me in 28 days.

 

I had done a previous one with a nat west loan a couple of years ago

and it was so difficult I cant believe its been this easy?

 

1 letter and an offer in 3 weeks?

 

Mrs mcc

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how do you know that's correct

 

I VERY much doubt it for a card that old

the int certainly cannot be.

 

you need to SAR them

get all the statements

 

and make a spreadsheet,

 

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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I personally wouldn't trust them.

 

Get them to let you have a full breakdown premium by premium.

 

If it were me I would also get a SAR off to them.

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

 

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