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santander card and Robinson Way - charges reclaiming


jon8214
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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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Docs unredacted removed

are robway's client satans bank?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 weeks later...

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 don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • dx100uk changed the title to santander card and Robinson Way - charges reclaiming
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