Cahoot flexi loan with PPI - response to FF offer

[neobass]

Yup, I never actually spoke to anyone about payments etc.. just finding out why the SAR hadn't showed.

 

I'm sending Moorcroft a letter so they know I had delays with the SAR from Cahoot - now Satander.

 

Thanks all, Merry Xmas

[dx100uk]

pers i'd not be writing toi them

 

that CCa return is not compliant.

 

did you send them the failure to comply letter?

 

dx

[neobass]

pers i'd not be writing toi them

 

that CCa return is not compliant.

 

did you send them the failure to comply letter?

 

dx

 

Nope. I didn't.

 

SAR to Santander and letter to Moorcroft sent though.

[neobass]

Some very odd and peculiar behaviour going on!

 

3 letters

1 from Santander notifying me they will get the SAR.

1 from Santander notifying me they have no SAR data for an 'Alliance and Leicester' mortgage? I never had such an account. This was a Cahoot loan.

1 from Moorcroft, there DCA. Stating the current events. Quite clearly they are 1 step behind me when it comes with correspondence with Santander.

 

So, what to do? Are Santander confused? there reference numbers on the letters read the same. Is this debt defaulted with nothing to follow up with? or has someone cocked up?

[dx100uk]

Moorcroft are not satans banks dca, they are one for hire

however

does seem strange..2 differing replies.

 

however they are fwding them on so there you go

 

dx

[neobass]

Indeed. Should I write to Santander asking if the account in question is correct? i.e. point out that I never had a 'Alliance and Leicester' Mortgage?

 

Cahoot SAR would be good, if it exists!

[dx100uk]

the bottom line here is post 7

 

they are just trying to nail

'some' debt on you

 

they've no real proof you even owed this money

 

but are hoping to find 'something'

 

pers i'd just sit on your hands now

 

till/if that info appears.

 

certainly pay no-one onthis debt

and stay off the phone tooo

 

dx

[neobass]

SAR in from Santander, Moorcroft also called me to see where we are going with it.. i.e. to begin repayment or dispute.

 

It doesn't look like its defaulted though the SAR is very vague to me.

[dx100uk]

why are you talking to a dca on the phone?

 

dx

[dx100uk]

so you had ppi till 17-04-05

 

why no statements prior to 2/1/08

 

dx

[neobass]

so you had ppi till 17-04-05

 

why no statements prior to 2/1/08

 

dx

 

They called, I didn't know it was them. Other half was next to me, I simply said to not call and contact me via letter. They just said they would put account on hold for 2 weeks.

 

Indeed I was really surprised how little paper work they sent compared to others who courier almost 1 kilos worth of statements. So it could be that the account defaulted prior to the paperwork they sent.

 

What's next port of call with this one? Write to Santander and request complete paperwork?

[dx100uk]

pes I would yes

 

ask them why there is no sign of any statements etc prior to 2008

 

they cant really just use the 6yrs rule and not send them

 

have they made any ref to the 6yrs rule in the covering letter?

 

dx

[neobass]

pes I would yes

 

ask them why there is no sign of any statements etc prior to 2008

 

they cant really just use the 6yrs rule and not send them

 

have they made any ref to the 6yrs rule in the covering letter?

 

dx

 

No covering letter!

 

Is there a template on what I should put in the letter?

[dx100uk]

simple letter then

asking for data prior to XXXX date.

 

dx

[neobass]

Update, sent letter to Satans bank in response to there SAR. Requesting all data pre-2008. Not heard back thus far.

 

Moorcroft called whilst I was out and will more than likely call again this evening, I'll be advising them to contact me only by writing. And simply not say anything else.

[neobass]

Got this ugly letter today. I'm dreading being defaulted or issued a CCJ on this, nothing has been paid since July 2013.

 

 

Still nothing from Santander about pre-2008 SAR. What should I do?!!

[dx100uk]

whats augly about it.

 

doesn't say they will do anything

 

just a std threat-o-gram.

 

if but might could

 

dx

[neobass]

It says court proceedings, which I assume is CCJ. Also on the bullet points, did I just catch them saying 'detailing this default'? so that means this account has already defaulted, probably something which would appear in the pre-2008 SAR?

 

All if's and but's but after clearing 2 CCJs, I have to wait till next year when there off my credit report. Getting this one would totally screw me

[dx100uk]

no it says IF not will

 

that's a std phishing threat-o-gram

 

see it 1000's of times before

 

you probgot those old CCJ because you fell for these threats anyway

 

and didn't know how to deal with thinks

 

you've cag now.

 

dx

[neobass]

OK. Its just the most threatening letter I've had to date. The word 'court' just made me shiver a little.

 

There really must be something in the pre-2008 SAR from Santander, i'm hoping it was defaulted. I'll chase Santander via letter form tomorrow asking for update.

[renegadeimp]

OK. Its just the most threatening letter I've had to date. The word 'court' just made me shiver a little.

 

Thats it's intended effect.

[neobass]

Moorcroft in today.

 

Also had statement from Santander for the same balance.

[neobass]

Another letter from Moorcroft about Cahoot loan.

 

Attached the response to SAR from Santander.

 

Scare tactics? Still not myself been able confirm if this debt has been defaulted as I can't see it on my CRa?

[dx100uk]

man in dirty mac

 

 

no powers to do anything

 

 

dx

[neobass]

Indeed! Is there anyway to get a CRa beyond what is listed on most credit check sites?