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Santander Default - Personal Loan

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Santander Default

 

Short story first

– I had a financial Problems due to Gambling , pay day loans etc…

I sorted everything having help from the Forum here sending complains and going with some of them for Monthly repayments plans. I have arranged all payment arrangements myself, and done all negotiating myself also.

 

I have a Loan with Santander and from October my Monthly payments were not any more affordable for me

 

I called Santander and we agreed minimum payments each Month of £20.00 where I was paid anyway usually £100.00 or even more.

 

I never missed anything what we agreed.

After a couple of Months I received letter about arrears

 

I called them again and someone told me that its automated printed letter and because I am on the repayment plan I should not be worried about and I should continue paying what I can.

 

On Friday I received another letter dated 22.05.2018 telling me that they going to place Default on my account.

 

I was sure that being on repayment plan Default won’t be placed

 

I just called them again and someone from collection Team told me that I am not an arranged plan or repayment plan so they can place Default.

 

How many days I have to clear my areas (I have around 2,600.00) – I am not sure if I can pay this in full in one go but do I have some time to stop them?

 

Can I put my account on hold and complain because of the wrong information given?

 

I have to add that I don’t have any copies of the letters which I received from them, I didn’t keep them, probably my fault.

Edited by dx100uk
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sadly they are quite entitled to default you.

arrangement/hold or whatever makes no odds


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From 22.05.2018 (date from the Letter) do I have some time to clear areas and avoid defaults?

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scan it up


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On my first call after sending them letter and asking for help to lower my Monthly repayments

I went with someone from Santander across over all my expenses, loans, bills etc and only affordable amount was on that time £20.00/ Month.

 

Knowing from beginning that they will place defaults I will organise my expenses/ plans maybe differently

but I was told that any defaults won’t be placed, because I am paying what has been agreed,

 

I don’t have this in writing as always they sent only letters to contact them over the phone,

but for all that time from October I was not chased by anyone from Santander regarding payments,

because I was paying and always on time.

Edited by dx100uk
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