Jump to content


jon8214

santander card and Robinson Way - charges reclaiming

style="text-align:center;"> Please note that this topic has not had any new posts for the last 182 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

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

 

 

  • Like 1

Share this post


Link to post
Share on other sites

Docs unredacted removed

are robway's client satans bank?


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

Hi Dx, yes they are

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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

  • Thanks 1

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

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.

Share this post


Link to post
Share on other sites

Could you do me a favour and check the attached charges sheet and tell me address for Santander I should sent the prelim letter to? Thanks

Redacted Charges Santander.xls

Share this post


Link to post
Share on other sites

unless you are going thru to court on restitution claim

you will need change the claim to date to the day the OC stopped their int

then pop that whole sum in the statint sheet.

pers id do that.

 

ive moved the topic to the Santander forum

 

the address should be here on the homepage

 

 


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

Thanks DX, will do as suggested

 

Ill update when I get anything back from them

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...