Jump to content


  • Tweets

  • Posts

    • make a new topic for each company. scan up to PDF their full responce   that way we wont be getting your knickers in a twist   most likely scenario will be straight off to the FOS if they've sent their final response don't forget very few will ever cough they did wrong at the 1st try use this thread for general info concerning all of them
    • Hi Guys   So a number of weeks ago I began the process of opening IRL claims on 35 payday loans.    15 of the loans are ongoing, with monthly credit commitments standing at around £2k per month.    I have so far written and sent letters of complaint on these 15 loans (to 10 different companies).    I have outline drafts for the other 20, although the structure is largely the same.    I have run out of momentum in a big way but having had a short break with my young family I am getting back on the case. I have begun to receive replies from the Companies in question, none of which have been favourable thus far. I have also not spoken with and come to an arrangement on a payment plan for a handful, which is adding to the stress and impact on my mental health.    My intention with this topic is to try to lay out in as concise a way as possible the history of these loans, the key figures involved and also an example of the letters that I have sent thus far.    From there I will share the responses that I receive and further action thereafter.    I am unsure on a number of issues if I am honest. I do not think that I provided anywhere near enough evidence in my letters, which is probably going to lead to a string of rejections. I can not afford to repay the loans under the initial terms and in any case I have no intention of repaying a single penny over the loan capital.    I am concerned about the effect that this will have on my credit file, the security of my mortgaged house, the prospect of bailiffs etc. should I run into problems while waiting for The Financial Ombudsman.    I feel it is therefore in my favour that I have not yet sent the other 20 letters, which request a refund of interest totalling nearly £4k, as I expect to have a much stronger case within a couple of weeks.    I am off to search the forum as I recall seeing a post about Etiquette when posting files, and I will have quite a few to upload. First being a spreadsheet which I hope will give a clear understanding of all of this.    Most of all I am hoping that, by the end of this process, my journey will give even a single person the means and hope to get themselves out of a similar position.    Thanks for reading.   Pierre.    
    • I am back as I today have got Notice to registered keeper showing parking charge amount due now is £100.   What shall I do now? ignore or appeal?   Please see below my answers now that I have received NTK.   1 The date of infringement? Answer: 18th June 2019   2 Have you yet appealed to the parking company yet? [Y/N?]  Answer:  I haven't appealed yet.  If you haven't appealed yet - ,.........   have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] what date is on it Answer: couldn't find the date however I received it today (22nd July 2019) Did the NTK provide photographic evidence?  Answer: Yes, although it only shows the number plate of my car.   3 Did the NTK mention Schedule 4 of the Protection of Freedoms Act 2012 (PoFA) [Y/N?]  Answer:  No.     4 If you appealed after receiving the NTK,  did the parking company give you any information regarding the further appeals process? [it is well known that parking companies will reject any appeal whatever the circumstances] Answer: I haven't appealed yet.   5 Who is the parking company? Answer: MET Parking Services Ltd.   6. where exactly [Carpark name and town] did you park? South Ruislip ASDA, (840) Arla old dairy    Please also see the attached copy of the NTK that I have received. Scan 22 Jul 2019.pdf
    • What would be the orders of the courts in this scenario? The only court involvement normally is the rubber-stamping of a bailiff warrant. What other court interest is there?
    • Hi Gusolo.   I see you've been here for a while, so maybe I could suggest that you read around our PPC forums for cases involving Amtrac and other PPCs to understand how they operate.   Here at CAG we like people to self educate so that if the issue ever goes to court they understand the arguments that they need to make.   HB
  • Our picks

oldnstressed

drydensfairfax chasing for Santander on a joint loan from 2008..i've paid my half already!!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 285 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I will start with possibly the easiest question first

- I got a letter from drydensfairfax regarding an unsecured loan I still owe money on, this goes back to 2008, I think.

 

I have paid half of the original loan.

Former partner is on the loan too.

 

I was paying it back to avoid trouble, as you do.

I then had two companies chasing me at the same time, Moorcroft and someone else.

Naïve, I rang Santander who said they would clarify.

 

Then ex put the loan into dispute, for his half, so naturally, I wasn't able to pay.

The dispute was settled not in his favour and I waited for instructions, from Santander on who to pay.

 

So, the letter has arrived, telling me "not to underestimate the seriousness of this matter" and to contact them by 16th to discuss repayment.

The letter states that they are acting on behalf of their client, Santander.

 

I realise the dates are missing on this, as an initial query,

my first question is who owns the debt, the letter seems to imply that Santander does, and they are just collecting for them?

 

Can you please help me get mental clarity?

 

thank you xxx

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

yes you [possibly] pay but ONLY deal with Santander

 

a dca or their pet solicitors have zero legal powers

and

are NOT bailiffs

 

might also be better to stay off the phone too.

have you got your credit file?

does this debt show?


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

retitlted and moved to the Santander


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thank you for the replies.

 

I actually don't know when the last payment was, because of the confusion with the two different companies chasing me.

 

I could phone Santander as asked, but I don't know if that is wise.

 

Just to check, DF haven't bought this debt, they are just doing the "admin" for Santander.

I'm confused.

 

Santander wrote to me and advised me all dealings should be thorough DF, and their letter has a smaller amount on it than the DF's.

 

DF also sent a letter to my former partner to this address, he has never actually lived here, and certainly didn't mount his rear guard action from this address so why did Santander not give DF his address?

 

hi - no, I haven't got my credit file - should I get it before acting?

Share this post


Link to post
Share on other sites

payments would have gone to the fleecers 'client' that would be Santander..

it might well pay you to get your credit file yes

it might fill in the blank

 

roughly when did you last pay anything to anyone regarding this>?

 

just one point to bear-in-mind, the debt was joint and several

which means sadly you are responsible, as is the ex equally, for the full balance.


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thank you. Just Noddled it, will go though it.

Yes, I do know I'm liable, and I was paying it off, until the muddle from Santander's end, then the attempt by the ex to get off the agreement.

Now I'm just trying to understand what has happened, who I am dealing with, and what the best course of action.

 

I am going to read the file, and then I can post some facts.

 

Just one q in advance,

can I ask Santander to pay them back directly?

Just can't imagine them saying yes.?

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

always only pay the OWNER listed on your CRA file.

 

find that last payment date.

 

pers i'd send satans bank a CCA request

put them to strict proof they hold enforceable paperwork, for 2008 that might not be so.

 

you are quite safe on ANY DEBT, to totally ignore everyone bar the OWNER of a debt.


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

I got into Noddle, and according to their charts, which are visual, I defaulted in 2012. No more information there. I became too ill to work again in 2011, so that is when it went onto a reduced payment plan, because it became apparent that I wasn't going back to work. However, there isn't any information on when the last payment was made?

Share this post


Link to post
Share on other sites

so have you paid since oct 2012


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

the payments seem to have levelled at July 2016, which would fit with my appalling memory, and even worse filing skills.

 

also I took the loan out in 2007 according to Noddle. dx100 you are an angel, thank you xxxxxx

Share this post


Link to post
Share on other sites

thanks....

ok so cca time


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

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...