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    • It was because the last day fell on a weekend so they had until the end of yesterday to reply. No reply and I have Requested Judgement this morning, I have requested full payment by the 3rd November. I think a week to for the to resolve is reasonable. I don't hold much hope of them even responding to that so feel it will need to be taken further.   What is my next step if I don't receive the full refund by 3rd November?
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    • New head is likely sunaks old goldman sachs boss isnt it?
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Hello, I was hoping someone could provide some advice. I took out a storecard with River Island/GE Money when I was 18 which was around 9.5 years ago. I also took out an overdraft/credit card and stupidly defaulted on all of them. I started paying them off and was convinced that I had paid in full the storecard years ago.

 

I paid off the rest in full last year. However around 1 year ago I was contacted by a debt collection agency out of the blue in relation to a £270 storecard which hadn't been paid off.

 

I've since changed banks and didn't keep statements etc from around the time as it had been so long (I also often used my mums/grans card to make payments on it) so I don't have full records of payments towards the storecard. I've called the storecard providers several times over the past year requesting payment breakdowns for all payments made to the account however as GE Money no longer exists and is part of Santander they told me they do not have this and I need to speak to DCA dealing with it.

 

What I find is strange is that the storecard had a £250 limit and they are chasing me for £270. I definitely made payments to this storecard so I don't understand the amount etc. If I've made a mistake and there has been an outstanding balance then I'm more than happy to pay but I'm almost 100% it was paid off.

 

I've asked the DCA for statments/payment breakdowns and they all say they will put a hold on acc for a few months till they get them from the creditor however they never materialize and then DCA changes.

 

All I want is a breakdown of payments made/dates so I can see proof that I owe this but noone seems to be able to provide this information. Can anyone help? Also I'm in Scotland and current DCA is Rockwell. Thanks in advance Lori

Edited by silverfox1961
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Hi and welcome to CAG

 

Firstly, stop ringing them. Deal with any matter via the post as they cannot deny anything said in a letter

 

Have you any idea when the last payment was made on this account? If more than 5 years ago (as you are in Scotland) then the debt will be extinguished. This may be why when you query the debt, it gets passed on.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hello, Thank you for your reply. I've written to them twice in over a year and also written to Santander cards dept (who bought over GE Money) sent all recorded delivery which were received however I got no replies from any of them and when I called they said that recorded delivery only gets it to the building so must have gone missing somewhere. I'm planning on writing to them again today but I'm not 100% what I should be asking for. I've previously written asking for a breakdown of payments from opening the card til present, I asked them to let me know if I need to sent a fee for an FOI for this but still nothing. Its getting a bit of a joke as they are phoning me constantly now. (I don't answer) Thanks *Also yes the last payment would have been over 5 years ago

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You cannot do an FOI to a bank. They are not covered by the act (only government and other official bodies) so if you want all the information the hold on you, you will have to send a SAR to the Data Compliance manager at Santander.

 

Don't bother with any DCA as they have the bare minimum of information.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Santander Data Protection Team

201 Grafton Gate East

Milton Keynes

MK9 1AN

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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