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Santander Loan - Drydens CCA Return - want me to use a Customer Portal rather than send it to me - covid regulations!!


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Hi, I have an outstanding debt currently with DrydenFairfax solicitors.

 I requested a copy of the CCA and they have replied saying they are unable to send the hard copy due to COVID, but I can register on their customer portal to view the information.

 

 I do not want to do this as they will then have my email etc,  

Are they obliged to send the hard copy and can I dispute this online route?

 

Many Thanks

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Yes they are obliged to send it to you.

Right back to them and tell them that they are obliged to send it to you and that if they fail to do so then you are likely to consider that the alleged debt is unenforceable in any event

Tell them if they harass you or make any further attempts to recover any alleged debt – which in any event you deny owing – that you will begin a formal complaint to the FCA

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why are you sending a CCA request to a solicitor?

it should goto their client Arrows.

 

whats the debt all about please?

 

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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This is a Santander loan, non payment has been just over 2 years now as I was unable to reach a payment agreement with them, they kept refusing my offered amount.

 

It has been passed elsewhere meanwhile for collection and now it has landed with DrydenFairfax.

 

Thanks

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who are drydens stated client please?

 

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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Share on other sites

Their stated client is Santander and they go on to say that they have been instructed by their client to recover the outstanding amount or to take appropriate action.

 

In their recent reply referring me to their customer portal, they also included an income expenditure form for completion.

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OC's don't do court.

you should have ignored drydens totally

 

when did you take this loan out

method used? omline?

how much for 

and you last paid until 2yrs ago?

 

why did you stop?

 

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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Hi, it was 3.5 years ago and stopped as I dropped out of work.  I managed to do pro rata payments with other creditors except these.  It was done online and forms sent in the post.  Owing approx £4000.

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so most probably enforceable then

you don't need their permission to pro rata  just pay it by BACS.

 

i guess your credit file is already defaulted so they can't harm you further.

 

 

 

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 Loan - Drydens CCA Return - want me to use a Customer Portal rather than send it to me - covid regulations!!

Yeah I imagined it would be enforceable but wondered if they actually had it.

 When this all started I did pay Santander a nominal payment for a few months but the amounts were sent back to my account and I have this on a letter from my building society.  

 

They just would not engage in to any kind of negotiation and I have copies of letters I sent about the returned payments but they outsourced the collection.

 

How would you suggest I proceed now at this point please.  

For information I have been made redundant during Covid about 6 weeks ago so if I was to offer anything it’s going to be something like £1.

 

I also need to reduce my payments to the existing creditors due to the redundancy but that’s another natter I guess.

 

Thanks for this.

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well the more you keep paying your debts, the longer they will remain around your neck..

paying silly small amounts to original creditors is in most cases totally pointless.

ignore them then and let them sell it on to a DCA debt buyer for peanuts.

 

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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original creditors do not do court = bad publicity.

 

sadly you fell for a threat-o-gram..

 

not being funny but you've been here +10yrs...you should be well aware of these things and have been or should do...self help using our search..

you have numerous old threads regard similar issues 

 

 

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 I have been there a long time ago and I have paid off debts from years ago, this is something from less than 4 years ago which I couldn’t pay when I lost my employment.

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