robbersway letter re old santander OD debt - shall i Start repayments after 4+ years of no contact?

[dx100uk]

there is no signed agreement on OD's.

 

[Ohhimark]

I see, well I'll get everything sent off and thanks once again.

[Ohhimark]

Just to update on my credit reports

 

. I've now checked all 3 and the only thing that's showing is my British Gas account which was in arrears in 2011 but settled shortly after.

 

I'm not sure why my Santander account isn't showing up at all.

I'm just trying to find letters of when I would have been with them, I can see Santander bought Abbey (My bank before them) in 2004.

[lookinforinfo]

If you were going to contact anybody then a CCA to Robinson's rather than the bank would be the preferred action if they start harrassing you.

[dx100uk]

you cant CCA an OD its not credit covered by the act.

[Ohhimark]

Is it not worth sending a 'prove it' response? That way I can hopefully get a rough idea of if it's SB or not? Or chance a SB letter?

 

And there's no other ay to see when last payments were made?

 

Thanks guys.

Edited August 27, 2019 by Ohhimark

[dx100uk]

and what is the point of a prove it letter..NONE! 

 simply invites letter tennis.

 

the next move, after you inform them and any others that own debts you might have paid within say the last 7yrs, of your correct address, is not yours.

[Ohhimark]

Wouldn't that give me a bit more info on payments and the defaults? 

Looking at when I joined my current bank, this was in 2011. I'm almost certain my original date of 2015 was way off,  and would be more like 2011-13 since last payment/contact but I just need to be sure so I could send an SB letter.

 

 

 

 

Edited August 27, 2019 by Ohhimark

[dx100uk]

no harm in ringing the OC and asking last payment date

[Ohhimark]

Judging from everything I've read on debts here, is there anything specific I need or it's just OK to call Santander? Is there noway to get the same in writing as I get put off by the "Never call, emails, always in writing etc etc"

 

Again I appreciate all the help.

[dx100uk]

oc's are quite safe to call

its DCA's you never use the phone with.

 

if satans bank say they cant give you the info.

 

the 

prevention of fraud act

and

the data protection act

 

both clearly state they MUST hold information for atleast 6yrs.

 

so you either want them to

 

1: confirm any info they have is over 6yrd old

or

2, the last payment date

 

should they refuse to confirm either 1 or 2 above

then state you will be straight onto the ICO following this call to raise a serious complaint against them and be seeking financial compensation.

 

if you need to, ask to speak to a supervisor.

[Ohhimark]

Amazing stuff thank you.   I'll give them a call first thing.

 

Is there anything specific I need to know or just get through to customer service as an ex Santander customer enquiring about an old account?

Edited August 27, 2019 by Ohhimark