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    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
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Santander 4k loan


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Hello, I'm seeking some advice.

Over the past few years, I've diligently worked on reducing my credit card debt, successfully paying off both cards.

However, I'm now confronted with an outstanding Santander debt of 4k from a loan taken years ago. Santander has presented me with three options:

  1. Pay the entire amount in full.
  2. Initiate regular payments.
  3. Choose not to pay anything, as Santander has no intention of pursuing the debt.

They've also informed me that this debt will remain on my credit report until it's settled.

I find myself in a challenging situation and wonder if you have any suggestions.

What's the best approach to handle this?

Ideally, I'd prefer not to pay, but I also need to explore ways to remove this 4k debt from my credit report.

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Have you been defaulted?

Have you been involved in some kind of repayment/instalment scheme?

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No, I haven't enrolled in a repayment or instalment plan.

I suspect that I've been subject to a default, although to my knowledge, this matter hasn't proceeded to court.

I've received letters from a collection agency, but since Santander assured me they wouldn't pursue the debt, I disregarded the collection agency's attempts, thinking they were simply trying to collect money.

The debt hasn't been sold, and Santander still holds ownership of it.

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  • dx100uk changed the title to Santander 4k loan

a default is nothing to do with a court .

when did you take this loan out?

when did you last pay?

original creditors dont do court so eventually this will be sold on to a dca

a dca is not a bailiff

and have 

zero legal powers on any debt - - no matter what it's type.

there should be a defaulted date as a result of santander sending you a default notice on you credit file if they have sent one at some point.

a defaulted debt vanishes from v=credit files on the DN's 6th b'day

regardless to paying or not or paid or not

but that doesn't mean the debt is not still owed, thats down to the statute  barred date.

1 hour ago, mailgirl said:

They've also informed me that this debt will remain on my credit report until it's settled

poppycockle

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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