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    • I wouldn't bother with emailing Virgin's CEO.   In April I started a complaint about my BB connection which they repaired quickly but charged me to repair.   I was mostly ignored or promised resolution that never happened. So I complained by email to the CEO, twice, demanding written responses. On each occasion, a lowly call centre worker called and it was obvious they knew or cared little about my actual case.   Finally I got a written reply confirming the charge was dropped but not a penny offered in compo despite the issue taking months to resolve.   Virgin don't take CEO complaints seriously.
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    • So according to this calculator my refund should be £4562.96 at the 8%.   This is in line with some of the management firms calculator on-line.   I have checked their letter again and they have paid from 1 Jan 1989 - 1 Jan 1994 only. They have refunded all the insurance premiums totalling £469.50 and the interest paid on the premiums to date of £257.90.  Additional interest of £1,436.36 after tax on top of refund as compensation.  Statutory rate of 8% from 1 Apr 1993 and at 15% before that.  They have not provided a breakdown of payments from 15% - 8%.  Only below:   £  469.50 - Refund of PPI premiums paid £  257.90 - Refund of interest charge on the premiums paid £1,795.44 - Statutory compensation -£      0.00 - Less any previous successful claim -£      0.00 - Less any previous refunds made directly as result of this policy -£       0.00 - Less any statutory compensation already paid -£   359.08 - Deduction from any statutory compensation interest for income tax at 20% _________ £2,163.76 - Total refund due   This will be the second time I am returning their calculations.  They made a decision last year and used a wrong date as they could not read the date and made up a date then it went to the back of the queue to be recalculated.  I had already queried the refund amount with them and they have moved the date again from the 22 Jan to 1 Jan!   Are they using a different calculator/principal why the figures are so far apart?  How am I going to show them this calculation without it going to FOS and sitting there for years to be assessed?   Can I also ask how to do the 15% calculation?  Thanks so much.  
    • Hi Burma.   You've been here for a while and I have to say I'm a bit disappointed that you're PMing this to various people off the main thread.   Advice by PM isn't what we advise here and I hope that you can post up your anonymised documents very soon.   HB
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Santander/Drydensfairfax Solicitors


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Hello and Welcome, Scrudge.

 

Could you please give the history of the debt you had tried to settle.

 

Regards.

 

Scott.

 
 

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Hello Scott

I took out a £10k loan in 2009

 

after I lost my job I had to put this loan and others with the CCCS in 2010

 

the balance of the loan is £7k

they have been getting £9.64 a month but that has now had to drop to £5 a month due to my circumstances changing

 

I offered them £2000 Full Final Settlement as my sister has offered to lend me the money but they have said no,

 

and wrote to me saying they are under no obligation to accept anything less than the full outstanding balance,

 

which is disappointing as I do not know how long I can even afford to give them £5 a month.

 

Regards

Nicky

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you wont get a settlement on £2k on a £7k loan, no way!

 

are you getting yearly or better statements?

 

not got PPI or charges levied have you.

 

there not much you can do really

 

there are letters in the library green tab top left

to try and get them to write it off

 

might be worth a try.

 

dx

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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Hello

I am on benifts

three children

mortgage with charges on property

 

so no borrowing power

 

this Santander loan was unsecured thought

 

an offer of £2000 was reasonable as now they would only be getting £5 a month

 

they have stopped interest

no ppi and

I have made my circumstances clear to them and

stated that if they accept my sisters offer she will deal with them direct,

 

what do you think ?

 

what sort of offer do creditors expect in these circumstance ?

 

do they prefer to continue with a minimal payment or would they rather take an settlement ?

 

srudge

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do you mean you have charging orders?

 

dx

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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Yes 3

so if I try and borrow anything against my house they are notified and want paying off first,

but I would never get any more finance as want to clear up the mess

I have not get into more

 

 

I have wrote to all creditors they have all stopped interest

there is no ppi on any of my debts

have applied for cca on one and sar on another as not sure how two of them got to the amount they are stating I owe

 

 

one has been passed to Lowell but the Satander one is the only one I have made an offer on.

 

Scrugde

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urm..

 

did you know about all the CCJ's and the CO's

 

did you defend?

 

seems alot

 

sri for going off topic.

 

dx

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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blimey

 

i've changed your thread title and moved it to the dgeneral debt forum

 

i'm gonna get someone to pop in.

 

dx

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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Hello there.

 

The charging orders, if in your husband's name, would only sit on his share of any equity in the property. You share of any equity would be totally fine.As the charges are so old it is highliy unlikely that any court would entertain a challenge in relation to them. Whilst it's possible to 'set aside' court judgments such an application needs to be made promptly - usually within weeks or months rather than years. In addition there would have been two chances to raise a challenge in the eyes of the courts - once when the original CCJ was sought, once at the CO hearing.

 

As far as Santander are concerned, it's vital that you 'stick to your guns', ask for them to reconsider the F&F, making clear that the alternative is only going to be a small token payment. It often takes a few attempts to convince the big lenders to think about the F&F settlement. Sending a CCA/SAR request is useful as if there are any potential issues with the paperwork they could decide to give the F&F settlement offer more serious consideration.

 

Hope this helps!

 

Seq.

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Hi, Seq

Thank You for that

 

 

I have sent another letter to Santander asking them to reconsider the Full and Final Settlement offer maybe when they are only getting £1 a month £2000 might look more attractive to them !

 

 

do you have info on how long a charge can stay on your property if no contact has been made ?

 

 

is there anything like statar barred after so long or is it the case that once a charge has been obtained they can sit there for life.

 

Scrudge

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Hello there, a charge would stay on forever, sadly. It was confirmed in a case called Yorkshire Bank Finance Ltd v Mulhall that there is no time limit in which a creditor must enforce a charging order by way of an order for sale. In reality it's more than likely that they will just wait until you decide to sell the property.

 

Best wishes,

 

Seq.

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  • 5 months later...

Hello please can someone give me some advise

 

I have a £7000 debt with Santander which is currently under a payment arrangement with the CCS now step debt change

 

I am paying them £5 a month,

 

after a year of persistent letter writing they have excepted an offer of £2000,

in everyone of my letters to them I have made it really clear that this is in full and final settlement of the debt

and that they or any other company related to Santander will not pursue me for the balance

and that I will be released of all liability,

 

I have received a letter back from them stating that they agree to accept my offer of £2000 to partially settle my loan balance

and that if I send payment within two weeks that I will no longer have any liability to pay the remaining balance

and that they would not request any further payments

 

but then in the next paragraph they say "If you decide to pay the remaining balance at a later date,

an update would be provided to the credit reference agencies to show the debt is satisfied,

although the default information would still reamain for six years from the date of default which was 2010. :???:

 

I am confused I would love to get rid of this debt

but I am very concerned sending £2000 and them using the wording 'partially Settle'

 

also why do they have to keep it on my credit file surely if they accept a settlement offer it should be then wiped off my file?

 

please advise before a send any money..

 

many thanks

Scrudge

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That's a proper response so if you should want at any time before the debt comes off CRA file six years from the default date they will mark the account as ''fully satisfied''

which is of course better than ''partially settled.

 

I must remain on the credit files to report the true conduct of the account, to ''wipe out'' the entry would not be factual, so it remains on file until 2016 then is removed.

 

The term ''partially settled'' technically correct.

So you are safe to pay if you want to.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thank You for that you have put my mind at rest.

 

You're welcome!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 6 years later...

Hello, could do with some advise

 

Ive received a scary letter from Drydenfairfax Solicitors for a Santander loan I defaulted on in 2010

 

I passed the loan/debt onto Step Debt Change in March 2010, 

in 2016 I did not have enough to even pay Step Change 

 

I wrote to Santander explaining this and asked them to write off the debt this was my last correspondence with Santander January 2016.

 

I have had various letters from Moorcroft then Wescot etc which I have ignored,

yesterday I received one from Drydensfairfax stating "they are solicitors instructed by our client Santander UK Plc, to obtain repayment of the amount £6804.03 or take appropriate recovery action should you fail to pay".

 

Is this company really solicitors ?

what power do they have can they issue a CCJ ?

 

this was an unsecured loan unfortunately I fell on hard times and I could not pay it.

Is it safe for me to ignore this letter ?.

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Old and new threads merged

please re read from post 1 now.

 

its still with the OC so safe to ignore 

 

Dx

  • Like 1

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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Wow just read old threads, come along way since then house and credit file clear !!!

 

thanks to this site taking away the fear and lie's people in debt are told by horrible companies trying to make money out of people that are at their lowest,  who dont have it !

 

Cant thank you enough !

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  • 4 weeks later...
On 24/01/2020 at 13:01, Scrudge said:

Hello, could do with some advise

 

Ive received a scary letter from Drydenfairfax Solicitors for a Santander loan I defaulted on in 2010

 

I passed the loan/debt onto Step Debt Change in March 2010, 

in 2016 I did not have enough to even pay Step Change 

 

I wrote to Santander explaining this and asked them to write off the debt this was my last correspondence with Santander January 2016.

 

I have had various letters from Moorcroft then Wescot etc which I have ignored,

yesterday I received one from Drydensfairfax stating "they are solicitors instructed by our client Santander UK Plc, to obtain repayment of the amount £6804.03 or take appropriate recovery action should you fail to pay".

 

Is this company really solicitors ?

what power do they have can they issue a CCJ ?

 

this was an unsecured loan unfortunately I fell on hard times and I could not pay it.

Is it safe for me to ignore this letter ?.

Hi Scrudge

 

But, you stated that they had accepted your offer of £2000 as full & final settlement for the outstanding loan amount, in your 2012 posts. So, did you not pay them then?

 

General question for CAG admin guys; are 'DrydensFairfax Solicitors' actual solicitors? Why do some DCAs resort to using them if not?!

 

Thanks.

Rgds.

radmm0

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Drydensfairfax solicitors is a trading name of Drydens Ltd, a company registered in England and Wales (number 06765260) at 4th Floor, Fairfax House, Merrion Street, Leeds, LS2 8BX. DX 320601 Leeds 16. Drydens Ltd is part of Arrow Global Group PLC and is authorised and regulated by the Solicitors Regulation Authority under SRA number 511996 and by the Financial Conduct Authority under FCA number 677021

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48 minutes ago, Andyorch said:

Drydensfairfax solicitors is a trading name of Drydens Ltd, a company registered in England and Wales (number 06765260) at 4th Floor, Fairfax House, Merrion Street, Leeds, LS2 8BX. DX 320601 Leeds 16. Drydens Ltd is part of Arrow Global Group PLC and is authorised and regulated by the Solicitors Regulation Authority under SRA number 511996 and by the Financial Conduct Authority under FCA number 677021

 

Thanks Andy

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