Robbers Way/Santander - O/D from old account

[up2meears]

Morning all,

 

A couple of weeks ago I got a letter from Robbers Way asking if I was me and to let them know that I was.

 

I filed this in my 'Urgent - things to do when I'm dead' cabinet and checked my credit file, sure enough they have searched my file.

 

After searching them on CAG I noticed that they deal with alot of old bank account debt so worked out this was for an old Abbey o/d.

I have today received another letter from them confirming this.

 

A bit of history about this,

 

In 2004 I had asked for and opened the most basic bank account with abbey (so basic it came with an electron card).

 

A few years later - can't remember when - they upgraded and gave me a Visa debit card (not asked for) and an O/D.

 

By 2008 this o/d was £800.00 and in Dec of that year I got a slip of paper (not a letter)

informing me that they will be revoking my overdraft on about the 18th Dec

I think it was and the full amount was payable.

 

Merry Christmas Santander

 

I called them and asked if they could take say 100 per month

they said no so

 

I quickly opened a new account elsewhere.

 

I complained to Santy about the way my account had been operated and the unfair way they chose to take this o/d away without much notice.

 

As you can imagine they didn't give a damn and refused to allow me to come to an arrangement.

And that's pretty much it until the little DCA goblins crept out of their hole.

 

I have had no NoA from Santy, and this appears on my credit file still under their name.

There are two entries on there both with the same start date, different account numbers by 1 digit,

one showing satisfied and one showing defaulted on the date the other was satisfied. (6 months after they asked for the o/d) ?

Is this allowed?

 

They have obviously added charges and although I do have all my bank statements somewhere, which I will dig out later,

I am going to SAR them as I do not remember ever getting a DN for this.

 

what is my best course of action here?

 

Should I continue to ignore RW until I have received my SAR?

 

Many thanks

Up2

[mikeymack2002]

Once you get your SAR you can see if Santy has added anymore fees, if so get reclaiming. When was the last time you acknowledge this debt? or made a payment? it may pay to see if this is enforceable anyway. then come back, don't forget they only have 40 days to comply with a SAR.

 

 

MM

[up2meears]

As this was a current account I didn't make any payments as such and until I find my statements I think the last activity was about December 2008 when I opened a parachute account.

The complaints I made probably went on for about 3 months after that.

 

There has been at least £100 added to the o/d amount but I didn't think I could claim these anymore unless I can prove a hardship case. I remember since the o/d was added there were over £500 added in fees and charges but again, until I can find the statements (or receive my SAR) I cant be sure.

 

I will be back when I have more info, but my main concern at the moment is what I should do about RW? I'm more than happy to ignore but wasn't sure if there was a letter I should be sending.

 

Many thanks

 

Up2

[mikeymack2002]

If that is the case will be SB'd later this year maybe but will wait to hear from you later

 

 

MM

[psyduck]

Does the debt appear as a default on your credit file? If so, that date would be a good start point to guesstimate at what point the account was SB, as they defaulted mine about 5 months after they took my overdraft (and I never made a payment towards it since the point at which they revoked it)

[up2meears]

Does the debt appear as a default on your credit file? If so, that date would be a good start point to guesstimate at what point the account was SB, as they defaulted mine about 5 months after they took my overdraft (and I never made a payment towards it since the point at which they revoked it)

 

Snap Psy, They said they were taking it away in the December and didn't default it until 6 months later.

 

After having a read of your thread my situation seems to be very similar to yours and it would appear Satan-der are trying their luck with near to SB'd debts.

 

They are a bunch of jokers, when I tried to reclaim the PPI on one of my store cards because in 1999 I was unemployed and pregnant, despite the application form showing this and PPI not requested they refused to look at it until I got records from HMRC confirming my NI contributions for that period :!:

 

Up2

[psyduck]

They are playing a strange game...

Personally I'm ignoring them until my hand is forced into action (when they get really threatening). Wouldn't even bother with the SAR right now, if you tell them it's SB'd later down the line and they say it's not, you can then use SAR (without acknowedging the debt of course) to slow them down further.

[up2meears]

That's what I've decided to do too.

 

Good luck with your adventure!! I will be keeping a close eye on your thread

[up2meears]

Afternoon all,

 

So, I heard no more from RW regarding this until today when a doorstep collector appeared at my door. I told him I wouldn't discuss this at the door, and that a letter would be in the post.

 

He was very polite (don't know if that's because I was filming) and said that's okay, they send me round to see if I can make an arrangement with you and he asked if this was to do with Satans bank when I told him I wouldn't be paying anything until I'd received what money they owe me.

 

I'm a bit worried because he had a brown envelope in his hand (he did not give me anything) could he have been going to issue me with an SD? If so would he have given it to me regardless? I'm worried because I know how underhanded these collectors can be and don't want to find out later that they've tried to make me bankrupt

 

What should my next move be with this? I don't want to get into letter ping pong, but because this is not SB'd for at least another 6 months, I do not feel I can sit on my hands much longer.

 

Many thanks for any advice you can give

 

Up2