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Darvishani

New Day Unable to send a copy of Santander agreement

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I have recently send the CCA letter to NEW DAY and had a reply from them saying

 

Unfortunately we are unable to send you a copy of Agreement

 

 

I owe them £665 and i would like to settle with them by offering £200

 

Please any advise or sugestion

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If they dont have the CCA, then dont pay. No paperwork = no money for them.

 

Can you give more info on the debt please?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Thank you for your reply

 

It is from New Day acting on behalf of Standards and

 

 

I have been paying £5 for the past 12 months and

 

 

now i would like to settle with all my credit cards by offering 25 to 30%

and this one there is no default on my credit file .

 

Any advise or suggestion anyone please

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You shouldn't be paying a DCA a single penny. Especially if they havent got the paperwork needed to collect.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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who or what are standards?

 

 

New Day are the wing of Santander that was created to administer all old store cards.

 

 

dx


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Thank you for correction

what shall i do now

Shall I make an offer of settling the account by offering 20 to 30% or what

Any advise

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slow down.

 

 

if you F&F its will only be marked partial settlement

which leave you open to be fleeced on the rest.

 

 

who is standards please? in post 3

 

 

dx


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OK MY MISTAKE Santander's

But what do you think I should do

please advise me

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that's ok

I though it was a spell checker mistake

but we must always be sure.

 

 

.........

 

 

new days cant find the CCA - that's rare.

 

 

the ball in now it your court

BUT the debt MUST be marked SETTLED not Partial settlement

 

 

else any debt with that down

it leaves the rest open to be chased as soon a they sell the debt on

 

 

dx


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Any sample letter that i could offer them partial payment with marked settled

Many Thanks

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yes in the library tab top left

 

 

just make sure you relate to the fact they hold no enforceable agreement

 

 

and the debt MUST be marked SETTLED

not Partial settlement

else its a total waste of the money

 

 

dx


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Thank you

if they do not accept the term and condition of settlement what shall I do

stop paying them and what would be consequence

any solution

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the fact that they hld no cca sadly does little to help you.

 

 

they could still default you

and that would kill your file for 6yrs probably.

 

 

dx


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OK at the moment I would like them to leave me alone and looking to start a new job in some other country soon so really i am not going to get any more credit here since I went through a lot and nowl I have come up with some money to buy my debts off and the problem is I only have about 35% of total amount to settle with them in Oder for them to leave me alone so I can get on with my life

so what do you think I should do

Any suggestion

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If you are intending to leave the country anyway, and they dont hold the CCA, AND they arent the OC, why even bother worrying.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Therefore you are saying that they would accept my low offer to settle the debts if there is no CCA and leave me alone

 

I am a propety owner and going to let my place out and go abroad to work

 

 

but before that I would like to settle with all of my creditors and

 

 

do not care for my credit rating I just want them to leave me alone

 

 

what is the best way to do it any suggestion

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if your creditors are informed you are moving abroad

then they'd be a bit stupid to serve a claimform/CCJ

valid in the UK but nowhere else

 

 

when they know your are out of the country.


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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OP mentioned he is a home owner.

 

How does this affect the state of play?


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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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leaving an asset to target against I suppose

 

 

they still shouldn't issue a claim if they know the owner is living abroad mind


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thank you for the information

How about a settlement of 30 t0 35% do you think they will leave me alone or go away for good

now I am thinking to offer New Day £200 from a total debts £635 outstanding marked as behind with payment

and this IS the lowest one of my cards and the rest of cards owing are all over £10000 each and there are few of them therefore I am testing this one first to see the result.

 

please any suggestion any advise

Edited by Darvishani

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If you offer a settlement, then you have to make sure that you use specific wording. If you don't then there is absolutely no point of offering it.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you for your advise

which sample letter you suggest I should use

many thanks

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self help site too

there are some in the library here

 

 

or on the NDL site

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Few day ago i made an offer £200 to New Day for full and final settlement to be registered and used the Sample letter from NDL

Any ideal what would be the out come since they do not have CCA

any suggestion

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