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My CCA request docs from Santander

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FWIW that appears to be enforceable

though strange the default fees are not £12.

as Fsa [now FCA] ruled on that in 2006

 

 

dx


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where are the T&C's

again the charges are wrong by FCA rules

 

so who says that's enforceable?

 

 

dx


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? dunno, what should the charges be?

 

not sure id risk a court charge on that tho?

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court charge?

 

 

there should be pages of T&C's with a CCA return.

 

 

were there any?

 

 

can w just confirm

this debt is still being paid to satans bank

not a DCA?

 

 

dx


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

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What i meant was you said "who says thats enforceable"

and i was saying in reply i dont know if it is or not but i wouldnt risk them taking me to court over such a thing

(what i assumed was a small thing)

 

no, ive shown any paperwork ive received,

1 reply had just 2 sides of a4,

1 had 4,

1 had 3 which was the creation one

 

yes this debt is being paid to Santander according to my payplan account

 

Creditor History

Creditor Name Account Name/Number Date Transferred Abbey Plc

07/09/2010 Abbey Plc

21/09/2012 Alliance & Leicester Personal Finance Ltd - 2nd Charge

21/09/2012 Santander UK Plc

15/03/2013

 

 

....

 

Creditor History Creditor Name Account Name/Number Date Transferred Santander

28/06/2010 Abbey Plc

02/07/2010 Abbey Plc

21/09/2012 Alliance & Leicester Personal Finance Ltd - 2nd Charge

21/09/2012 Santander UK Plc

15/03/2013

 

So do i need to write to them and ask for the t&c's or what?

 

thanks

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well as its still with the OC

and you are paying it

i'd let things run.

 

 

have you been getting regular statements?


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Yes they send regular statements,

 

ive saved some money thanks to your advice, just a pity i couldnt tell them all to feck off :-)

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yea know the feeling!

 

 

no penalty charges yet?


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not that ive noticed but i got a shock when i saw a month ago they had been adding interest of nearly £1000!

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They can't add more than what int is stated on the agreement

Unless their t&c's say so

 

And you haven't got those


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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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

The CAG Interest Tutorial Read Here

spreadsheets 

 

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