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    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
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HPH2/cohen claimform - Santander Loan 'debt'***Claim Struck Out***


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Yes - I am sure I can, so I do a SAR

 

£10 Postal Order?

 

all of my addresses since the account was taken out?

 

Thanks,

FM

yes and a ctax bill from today

 

 

sign the sar too

 

 

dx

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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yes hand sign it

 

 

dx

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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I have googled and looked on here for the best address, seems to be several - which would you recommend?

 

Credit Data Management Team

Santander Card Services

PO Box 700

Leeds

LS99 2BD

 

or

 

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN

 

or

 

Santandericon Consumer Finance (UK) plc, 3 Princes way Redhill Surrey RH1 1SR?

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reg'd office

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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just don't miss your def dead line whatever does or does not happen

 

 

dx

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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Share on other sites

Hi Dx,

 

I know I have a few days left on the CCA - I think Thursday is the deadline, however I think I would of heard back from them or the solicitor before now?

 

I am guessing / hoping it's definitely SB and that they know this hence no response or even a letter acknowledging my request?

 

Not sure what to do? should i file my defence online or wait a few days? I think it was the 22nd I had to defend.

 

Thanks,

Flappy

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Monday 22nd 4pm

 

 

dx

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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Hi Dx,

 

Thanks - I will submit the defence on Friday incase I forget over the weekend or the system is down.

 

I have not heard anything from the solicitor or the CCA (12+2 Working Days Passed)

 

Either they don't have the details or they will wait and produce when I claim the defence...

 

Cheers,

Flappy

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matters not.

 

 

what are you going to file?

 

 

the SB

or

holding/no paperwork

 

 

defence

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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Hi Dx,

 

I am not sure.... what do you think? I am not 100% sure on SB but I think it is.

 

Do you think that's why they have no responded? what if I claim it's SB and then they say it's not? can I then say they failed to provide paperwork?

 

I am not sure what to do.

 

Thanks,

Flappy

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I am not 100% sure it's SB, I rang Satan and they said they had no records now the debt is sold

 

No response from the SAR yet and the CCA has not been acknowledged either, also the letter to the solicitor has also not been acknowledged.

 

I am not sure what to do, I need to ideally submit in via MCOL today

 

Cheers

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it would be better to file it sunday

as your today and sats post that might bring something.

 

 

I would suspect it will be the holding/no paperwork defence

 

 

widely available on many thread here and the successes forum.

 

 

dx

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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Hi Dx,

 

Postman been today :)

 

Do you think they are ignoring the CCA because they don't have it and know it's SB?

 

I would of thought they would of sent this just ensure the CCJ is enforced quicker.

 

Thanks,

Mark

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enforced quicker..where this coming from...

 

 

get working on that indicated defence.

 

 

dx

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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Share on other sites

enforced quicker - I mean as in they think it will go straight through and hope that I don't defend..

 

okay because i am not 100% sure on the SB then I will file a defence based on no paperwork, this might then give me time to get a response from the SAR with it hopefully showing it is SB

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enforced quicker - I mean as in they think it will go straight through and hope that I don't defend..

that's called a default judgement, makes no odds if they have anything

if its not defended - it gets rubberstamped without any checks.

 

okay because i am not 100% sure on the SB then I will file a defence based on no paperwork, this might then give me time to get a response from the SAR with it hopefully showing it is SB

 

 

post up their POC

 

 

and your proposed def BEFORE you file it

 

 

dx

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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