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    • Your post is far too long. May put people off replying. I have edited into shorter paragraphs. Essentially if you have no plans to return to UK and the debt is unsecured and you have no plans to return to the UK, then the best option is to inform creditors of your EU address. Do you have social media accounts e.g. Facebook, LinkedIn?  If you do, then make them private. Otherwise they may try to contact you via employers. Creditors likely to get CCJ's using last know UK address, but not yet. They may wait possibly until 5 years after default. Once they  have CCJ, they then have 6 years to try to enforce. But a CCJ does not die, it is just they  need to go back to Court, if they wanted more time to enforce. So you are looking at creditors trying to enforce these debts into the 2030's ! Credit card or loan debts are civil matters, so no issue at borders.  Don't think they can get UK Court to agree to wage deductions.
    • please refrain from keep hitting quote just type in the msg boxes. are Cobham Hall School named as the claimant on the claimform please, if not who is. school T&C's that state they can add interest just because the debt has been passed to a no powers DCA can be challenged, you'll see this in the kingshill claimform threads already here on school fees. your defence will be almost the same as those threads but we need to get your ducks in line first, without assuming certain things and making errors before going forward, your defence is not due till 4pm 4th march. have you had an acknowledgement that your AOS has been accept form the court? dx    
    • is what I  posted sufficient ? That I don't owe school fees they were paid in full. The school failed to meet our requests for a meeting to discuss our proposed repayment by borrowing money. Our initial interim £400 a month standing order until a friend was able to release an investment to make a loan to us was returned as they did not inform us of change of bank details 
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Santander made a huge mistake

Santander mess
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My husband had debt when I met him

- not irresponsible spending, debt accrued trying to keep his house after a divorce. We are in NI.


Santander started sending us letters in May 2013,

saying we needed to make payments on a card I thought had been cancelled.


I checked our records- it was closed, the balance was nil.


We phoned Santander who took some time,

but eventually a manager replied saying it was their mistake

- debt to someone of a similar name had been attributed to us.


Their explanation was the agent responsible had hit the wrong name when printing out the pay your debt letter.


They apologised profusely, promised it would not happen again.


In September we started receiving letters first from Wescot, then Dryden Fairfax Solicitors, and


we spoke to Santander.


They apologised again, blaming another error and said they would speak to the companies concerned.


They also said, on request, they would remove any erronous markers on credit rating.


Now we have received another letter- Arden Credit Management,

stating they took over the debt from Idem Servicing.

Neither company is known to us. Santander have said there is nothing

more they can do as the debt is now owned by a company they have no dealings with.

They have said they can do nothing at all.


This debt is not owed. It is not ours.


Santander acknowledged it stems from their mistak initially

and we should never have been pursued for a debt owed by someone else.


What do we do now?

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Hi and welcome to CAG


The statement that Santander made is incorrect. Even if a debt is sold, they have a responsibility to ensure that the data transferred is correct. Obviously not in your case.


I think all communications need to be in writing. Never speak to anyone.


Unless Arden start threatening legal action, ignore them. Deal with Santander only.


Write a formal complaint listing their errors and demand they rectify the matter immediately and demand compensation for their actions.


In the meantime, check your credit file. If dodgy details have been placed there, demand the removal and raise a dispute with the relevant credit reference agencies.

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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Raise a complaint with Santander, get them to confirm that the debt is an error in writing, keep the original letter and send a copy to Arden / Idem etc

From this confirm with a second part to the letter that you want all incorrect information removed etc... If they are the updated reporters on it.


Finally Santander maybe able to sort this out themselves, but i would personally write them a letter


We could do with some help from you.


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did you get your credit file and check too?



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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  • 2 weeks later...

If a debtor queries a debt and money that is owed, it is unfair for the creditor to continue with recovery proceedings during the time the debt is being disputed (The Fair Debt Collection Practices Act). If requested, the creditor or debt-collecting agency must provide details of an outstanding debt. It is not all up to the debtor to prove they do not owe a debt, is it up to the creditor to prove they do if the debt is disputed.


Email your complaint direct to Santander @ "Executive.complaints @ santander .co.uk" (remove the Spaces), clearly explain that as the debit is now in a formal dispute and any further action taken to recover the debt could result in the DCA licences being withdraw and a complaint with ICO, FSA and the OFT. Ask them to in writing explained how the balance has accumulated with a statement of the a/c this would be persuable under with a SAR with DPA.

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