Santander/Dorothy Perkins PPI Claim

[Sandramy21]

My daughter had a card with Dorothy Perkins which was run by Santander.

 

In 2011 she tried to re-mortgage only to be told she had a bad credit rating.

 

She checked Experian and saw a charge from Santander.

She did not recognise this and phoned them and was told that it was for a Dorothy Perkins card.

 

She then spoke to another company who we think were the Lewis Group.

 

This was on the 6th October 2011 and she told them, rightly or wrongly, that she would pay it straight away to try and clear her credit history.

 

She then paid the money to a firm of solicitors called Howard Cohen who confirmed on the 6th that the money had been received

and then sent a cheque to the court and got a Certificate of Cancellation.

 

However when we checked her Experian account it still shows:

Current Balance.............Satisfied

Default Date....................21/07/11

Satisfaction Date.............18/10/11

 

She moved house in 2008 and had her mail redirected for a year and in that time received nothing from either Dorothy Perkins or Santander.

 

So prior to this going to court she knew nothing about it.

 

In fact if she had not tried to re-mortgage she would still not be aware.

 

We have been trying to get Santander to remove this from her file

but were told that as she did not pay the minimum as required under her Credit Agreement £12.00 late charges were applied to her account.

 

I have asked Santander for details of how the money we paid was made up.

 

I have a suspicion that most of it was late charges.

 

I know we should have queried the whole thing before paying up

but decided the remortaging was more important and as it happened, and is still happening, the mortgage was refused.

 

Does anyone have any suggestions about where we go from here.

[dx100uk]

if she knew nowt about the claim form nor the CCJ?

 

she should apply to get it set aside.

 

'paying' a debt, does not remove the default, nor the CCJ

 

just marks it as satisfied. but the default will remain in the history.

 

i'd get a copy of the CCJ from the court first.

 

seems like you might have heeps of PENALTY charges to reclaim too.

 

get an sar off to satans bank as well

 

get all the statements.

 

dx

 

 

dx

[Sandramy21]

Many thanks for that. Just spoke with the court and a copy of the CCJ is on its way. They did tell me that the address might have changed to her current address because she applied for a certificate of cancellation but we will have to wait and see.

Any clues where I find a draft letter for a SAR.

 

S

[dx100uk]

hold on the black unlined SAR then click

 

dx

[Sandramy21]

Thanks downloaded and on its way. I just foound some of the old statements and she was charged account cover each month at £1.50 per £100. How do they get away with it!!

 

S.

[Sandramy21]

Sorry, one last question. I was going to send the letter recorded to Santander in Morley Leeds. Does anyone know if this is the right address? Also who should I address it to?

 

s.

[Sandramy21]

I am still waiting to receive the SAR from Santander but

 

in the meantime I have managed to obtain a copy of the transactions from January 2009 till the account went to default in July 2011.

 

It shows:

Purchases £263. Interest £89. PPI £56. Late payment charges of £180 and payments of £356.

 

There were several times where no payments were made .

 

Can I claim these charges back along with the PPI

or will the fact that some months no payments were made make a difference.

 

s

[dx100uk]

make no odds any penalty charges are reclaimable!

 

2 claims though

 

ppi

 

charges

 

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls

 

one for each

 

 

 

dx

[clint1974]

Santander UK plc

PO Box 6197

Milton Keynes

MK19 1UY

[Sandramy21]

Many thanks for all the help and advice, if the late charges and PPI are ignored then the account wasn't in default when it was sold on to Lewis Group.

 

The account was opened in 2004 so I will get started once I get (if I get) the statements from Santander.

 

s

[Sandramy21]

Just a very quick question. Are LATE PAYMENT CHARGES legal?

[dx100uk]

they are an unlawful PENALTY charge!!

 

dx

[Sandramy21]

Thanks for your quick reply.

 

Is there any law or phrase I can quote in a letter to make a claim.

 

Thanks

[dx100uk]

http://www.oft.gov.uk/news-and-updates/press/2006/68-06

[Sandramy21]

Just received a 3 page final response letter telling me why they have not upheld my claim.

usual reasons,

you signed for it,

you had 30 days to cancel etc.

 

The form was filled in instore and has crosses against all the places to sign including the PPI.

I said in my claim that I did not need the PPI nor want it.

 

A default was placed on this account but when I re-calculated, ignoring the PPI, it never was in default.

There was also some late payment charges of £15.

 

I don't know where to go from here.

[dx100uk]

scan up the fob off letter

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[Sandramy21]

Is there a template letter for claiming from Genworth?

[fkofilee]

Usually not per company... It's more done via a general set of Templates in the library.

[ims21]

Is there a template letter for claiming from Genworth?

 

Is this to do with your Santander/Dotty Ps claim or another account?

[Sandramy21]

Yes afraid so. Santander have refused the claim. They also refuse to answer any points I have raised just keep sending the same standard letter saying they have given me a full and final response so I thought I might try Genworth rather than FLA but I am not too sure what I need to send them.

[ims21]

I have merged your two threads as they relate to the same issue.

 

Apologies if it is above but when was this account taken out?

[Sandramy21]

March 2004

[ims21]

Ah ok thanks. As it was before 2005 then fos probably won't take it on. No harm in calling them to ask though. You might be lucky and they will take the case to Genworth for you.

 

If not, all you need to send to Genworth would be the same paperwork/letters etc. you submitted to Santander.

[Sandramy21]

So I can just send them the completed (Santander) claim form?

 

Am I right in thinking that the Ombudsman won't take it on either?

[ims21]

fos is the Ombudsman service, they are the same thing. As I said you will lose nothing by giving them a call and asking if they will take it on but I am not hopeful.

 

If you make your approach to Genworth, send them copies of everything you sent to Santander with a covering letter explaining why you are now seeking redress from them.