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jon8214

Robinson Way - Ex Santander Credit Card

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Hi CAG, after a bit of advice on a debt of my mums.

She had a Santander credit card taken out in 2004, she defaulted on payments and was stupidly making payments to a DCA until March 18. Rob Way are acting on behalf of the original creditor.

I sent a CCA request on her behalf and they returned an incomplete CCA - they sent

1) Recon Agreement with no signature and incomplete

2) Statements

3) How to use your card leaflet

This morning she says she has received a letter from a soloicitors regarding this debt, I am trying to get a copy of it and as soon as I can I will upload.  I will also upload the docs I received for the CCA less the statements

My main question which I should know by now, am I correct in saying the CCA is incomplete and they are in default due to the lack of Signature and also incomplete terms?

Also what is my next action ? Ignore?

Forgot to say my mum is in Northern Ireland.

Thanks

 

 

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@dx100uk any advice on this?

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Docs unredacted removed

are robway's client satans bank?


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Hi Dx, yes they are

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Reconstituted do not require signatures jon


We could do with some help from you.

 

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Cheers Andy, my thoughts are to continue to ignore and await Drydens next move

There are over £600 of charges on the account and may look at claiming them back for her I think it would near enough clear the balance after interest etc

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stuff and all anyone can do till its sold to a debt buyer DCA

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PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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also if card taken out in 2004 then they need to send full copy inc sig page and detail about interest rates at that time etc.

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