Robinson Way coming after me for a Santander Debt from 2010, what are my options?

[SickAsADog]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

SAR's aren't so bad It wouldn't acknowledge the debt (and gets a lot of info at the same time) xx

Should i maybe do this first, send a CCA (to give me some time), then depending on what I get back from Santander, send what @nemesis45 said to Robbingson Way?

Sorry for so many questions. I really appreciate the advice.

[nemesis45]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

Yikes really?! Even though the default date appears as only 4 years ago?! I'd be concerned about telling them to do one, then it coming back to bite me.



Should i maybe do this first, send a CCA (to give me some time), then depending on what I get back from Santander, send what @nemesis45 said to Robbingson Way?

Sorry for so many questions. I really appreciate the advice.

CCA yes definitely but expect to be messed around send it to RW use a £1 postal order marked " For Statutory Fee Only " on both sides copy the PO and keep for your record.

RW/HPH are playing around saying that they don't require the fee and then allocating it to the account thus affecting the 6 year limitation period.
Use signed for post check delivery date and signature and print a copy for your records.

nem

[Kati]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

Should i maybe do this first, send a CCA (to give me some time), then depending on what I get back from Santander, send what @nemesis45 said to Robbingson Way?

Sorry for so many questions. I really appreciate the advice.

A SAR request isn't the same as a CCA (CCA's are not applicable for overdrafts unfortunately) . SARs (a request for everything related to the account/you) cost £10 and CCAs (a request for the signed agreement) cost £1, so there's a bit more money involved, but you should get some answers xx

[SickAsADog]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

CCA yes definitely but expect to be messed around send it to RW use a £1 postal order marked " For Statutory Fee Only " on both sides copy the PO and keep for your record.

RW/HPH are playing around saying that they don't require the fee and then allocating it to the account thus affecting the 6 year limitation period.
Use signed for post check delivery date and signature and print a copy for your records.

nem

@nemesis45, thank you, I will get that sent out tomorrow.

A SAR request isn't the same as a CCA (CCA's are not applicable for overdrafts unfortunately) . SARs (a request for everything related to the account/you) cost £10 and CCAs (a request for the signed agreement) cost £1, so there's a bit more money involved, but you should get some answers xx

@Kati, thank you too.

Just to clarify (incase of my misunderstanding;

• Send a SAR request to Santander, £10 charge - Info related to me and my old account
• Send a CCA to Robinson Way, £1 charge, for proof and confirmation of this debt
• Depending on the outcome of both, follow up with saying its now statute barred?

Thanks!

[nemesis45]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

@nemesis45, thank you, I will get that sent out tomorrow.


@Kati, thank you too.

Just to clarify (incase of my misunderstanding;

• Send a SAR request to Santander, £10 charge - Info related to me and my old account
• Send a CCA to Robinson Way for proof and confirmation of this debt
• Depending on the outcome of both, follow up with saying its now statute barred? No I think we can conclude not SB unless the default can be found to be unfairly late!

Thanks!

As said watch out for " dirty tricks"!!
nem

[NWHC]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

Hi

Was the Overdraft arranged or unarranged. Santander have been known to keep accounts open for a while before defaulting . As overdrafts are usually set for a fixed period if you stayed within it then they would wait and possibly even auto renew. I know its naughty but they do

[SickAsADog]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

Hi

Was the Overdraft arranged or unarranged. Santander have been known to keep accounts open for a while before defaulting . As overdrafts are usually set for a fixed period if you stayed within it then they would wait and possibly even auto renew. I know its naughty but they do

Ok that's interesting, and makes sense. I guess it was arranged (£1500, the rest must be interest).

How will this affect my options going forward?

[SickAsADog]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

Hi all, thank you for the help so far.

Can someone point me in the direction of the CCA and SAR forms I can use to send to RW please?

[Kati]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

Hi all, thank you for the help so far.

Can someone point me in the direction of the CCA and SAR forms I can use to send to RW please?

CCA request template - http://legalbeagles.info/forums/show...y-of-Agreement
SAR request info/template - https://ico.org.uk/for-organisations...ccess-request/

K xx

- - - Updated - - -

If you're sending an SAR request ... it would be better to send it to the Original Creditor (RW are not likely to hold a lot of info regarding the account ) xx

- - - Updated - - -

The CCA request could go to RW tho' xx

[SickAsADog]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

[MENTION=49370]Kati[/MENTION], you are a lifesaver. Thank you very much! I'll keep you informed of the next phase of the drama.

[Kati]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

@Kati, you are a lifesaver.

:yo:

[Wingco]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

[MENTION=6]Amethyst[/MENTION]
How do I access the PM you sent to me a couple of days ago about my I&E. I've just found the original I&E compiled by Compass and it is a farce- it is missing sizeable rental income and there are countless errors in the expenditure showing my disposable income as about £90 per month!!! Strange - Dishonest, etc.
Clearly this was used to gain low token payments but it would have borne no resemblance to my interim updated I&E sent late 2015. That showed a disposable income of nearer £400 before Compass' £300 fee.
Wingco

[Kati]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

@Amethyst
How do I access the PM you sent to me a couple of days ago about my I&E. I've just found the original I&E compiled by Compass and it is a farce- it is missing sizeable rental income and there are countless errors in the expenditure showing my disposable income as about £90 per month!!! Strange - Dishonest, etc.
Clearly this was used to gain low token payments but it would have borne no resemblance to my interim updated I&E sent late 2015. That showed a disposable income of nearer £400 before Compass' £300 fee.
Wingco

email it to me (see my signature) and I'll forward it to Ame??

[Wingco]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

Hi Kati
Thanks for that but I'm tying to find Ame's PM to me with the blank I&E form for me to complete - just can't seem to get into my old PMs. I'm happy to forward that to you once complete - doing a regular I&E is a daunting and quite worrying process, particularly as I have just received my car insurance renewal and the breakdown cover renewal; the latter has almost doubled this year so phoning around. Also cancelled a Kirby vacuum guarantee/service contract (getting a FREE Kirby service tomorrow from another company - but suspicious as to how 'free' is free?) And just had a boiler/service/guarantee renewal which has also gone up 20%. So having to redo my I&E. It's been a bad week on the expenditure side.
Wingco

[dambuster]

Re: Robinson Way coming after me for a Santander Debt from 2010, what are my options?

if its a Santander debt first look for who has employed r/w to collect it for them

find out who owns the debt it wont be r/w who owns
p/m me the details if it has been sold as to who signed the assignment for santander and when