Hoist/? claimform - Santander overdraft 'debt'

[Guest]

last payment when?

when did they call in the o/d

[G78]

Hoist have come back with signatory of bank account in 1997,

that had no overdraft and statement staying a few payments in 2009.

but Santander have confirmed in writing that I did not credit account after dec 2008.

 

Morning Ford,

 

well in July 2008, official off September 2008.

 

bank stated that there were arrangements in place, but statements show different.

 

they...

 

sent notice the reduction from 1900.00 to 1000.00 by 1st of September 2008, but took it all by end of August with no notice. I appealed but got no response.

 

dx,

 

I have had sars from Bank and just last week Hoist, when requested in June/July 2015.

[Guest]

a bit confused. (it is early morning )

you say they say payments in 09. when in 09. in mind claim issue is 7/15.

then you say they say no credit after dec 08?

[G78]

so sorry,

 

they gave me notice of reduction in07/08.

 

I finally stooped using account in 12/08

 

however bank statements shows payments in 2009.

 

from 3rd parties and one direct debt and two payment paid into account. last payment on the 11/09

[Guest]

last payment on the 11/09

bar defence may not then be applicable!

[G78]

bank stated the I stopped crediting money in 12/08. I agree because I did

 

however, they state arrangement in place,

but I never paid a penny into the account

 

 

further in 2009, how could an arrangement paid be paid in and allowed to be cashed out?

when account would be in collections...

.most defo a banking error and statements supporting this.

 

I hope it is clearer

 

oh dear, what can I do? anything at all?

[Guest]

were those payments in 11/09 (attributable) by you, ie legit?

[G78]

No seriously. I did not pay in any money.

[dx100uk]

in your witness statement

you need to put the claimant to strict proof

upon who made the payments.

 

 

end of

[G78]

some were credit from 3rd refunding money into the account.

 

I cancelled all DD payments by 12/08. there was money paid in at the local branch, which they are claiming was the arrangement payment but it was also taken out a few days later...How? if for arrangement paid and no funds in since 12/08/.

[Guest]

there was money paid in at the local branch

when?

[G78]

they stated limit was reduced to 900.00 by may 2010, I have original statement this is not true state stating 1500.00 at that time.

[Guest]

soz, am not up to speed with your thread. am more confused now, too late or early for me. even with the jimi chill

 

perhaps dx can shed on it...

[G78]

shall I explain the background to the courts in my w/s and then provide all documents that I have?

 

no worries ford... to be honest..it sounds crazy. that they are chasing this now. so no worries. thank you for you help

[Guest]

shall I explain the background to the courts in my w/s and then provide all documents that I have?

a wit statement is what you will say in court, with any exhibits. so yes, what is relevant and material to your defence.

[dx100uk]

:help:

[G78]

okay I have documents dating back to 1997, but I think that I may be staying too much

[dx100uk]

some were credit from 3rd refunding money into the account.

 

I cancelled all DD payments by 12/08. there was money paid in at the local branch, which they are claiming was the arrangement payment but it was also taken out a few days later...How? if for arrangement paid and no funds in since 12/08/.

so you drew money out last ...when...?

[G78]

where they have stated that there was an arrangement in place, banks statements show otherwise, I was paying in money as per usual but nothing was being taken out.

[G78]

Bank stated money was down in 2010 t0 900.00, but bank statements do not lie, it clearly reads 1500.00

[G78]

no I drew no funds out.

 

the bank statement states arrangement of 100.00 was put in place from sept 2009 and but 100.00 paid in in 10/09 and taken out 10/2009, surely that is not right.

 

Money would have to taken by overdraft arrangement and not allowed to be withdrawn????

[dx100uk]

can you not simply talk English and answer the questions you are asked with out creating more confusion?

 

 

what they hell does this mean??????????

 

 

they statement money was down in 2010, but bank statements do not lie.

[G78]

dx, it was a typo and if you review it I changed it. it is late and I have a swipe keyboard, so some words may be inserted in error.

[Guest]

g78

answer these q's as simplest as can with your swipey

when did you last make/deposit/DD etc a payment to the account.

when did they call in the overdraft facility.

[Guest]

if you are going with a barred defence, then they wld need to show that there was a payment by you within 6 years. otherwise, they might go by when the o/d facility was called in (notice).

another poss (remote) option is re paperwork, depending on when the o/d was taken out. before 2011, the oft determination re o/d's. after, subject to the revised con credit act re o/d's.

also any unfairness/charges

i'm out