Newbie needs advice please Cahoot Flexiloan

[Never-In-Doubt]

Re: Newbie needs advice please Cahoot Flexiloan

Update 16/04/12

10/04/12 Received correspondence back from Santander after 4 months from dispute letter.
They have now agreed that they will refund all charges from 2008 (6k off total o/s!!) as they accept that they did not send me any account statements or contact me from 2008 to 2011, They do not accept that they have to credit anything due to the rate jacking over the period of the loan (many others have been re-funded for their rate increases) Therefore my registered default is not showing the right amount with experian. Should they have defaulted some time in 2008 rather than the end of 2011? I Have sent the letter to Niddy by pm and could do with further advice. This could be of interest to all flexiloan victims!
Thanks to All
B

Hiya

Sorry for delay - had a wee family emergency to deal with.

Ok, so forget the default - that's immaterial in every sense of the word, if they agree to remedy it back to 2008 then great - if not we'll deal with this later via ICO.

So regards the reclaim, have you ever had a notice of assignment letter? If so then Santander cannot refund to the debt as it's not their debt to offset against so they must send it to you.

Can you email me the letter to cast my eye over please? I have not got my laptop so anything sent needs resending for me to really look at it.

Thanks

[oscar]

Re: Newbie needs advice please Cahoot Flexiloan

Bosdog,

With regards to the flixi loan, I think they must have changed their stance sometime in December from reading around.

I sent my letter last November and gained a refund. I then gained a further refund due to an "error in the calculation of the goodwill gesture" around the same time they started to reject everyone in the new year.

Many are saying they are going to FOS, not sure if this is the way to go (not sure what Niddy has advised), but it would be a long process.

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

Hi Guys
The main issues for me atm are
1. could I get the actual default date to be earlier (i.e 2008) so it would come off sooner?
2. can I stall or even stop any legal action that may incur me with a ccj, co etc? Declared UE would be
there are other factors but I would like to wait for Niddys response now he has the appropriate doc's.

meanwhile, thank you all

[Never-In-Doubt]

Re: Newbie needs advice please Cahoot Flexiloan

I'll check and deal with emails tmw mate.

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

UPDATE 10/05/12


September 2004 loan 10k @ 5.8% variable paid up to
June 2008 hit personal problems, last payment and showing 10k os
Head in sand

Heard nothing till
Jan 2011 Cahoot loan appeared on my Alliance and leicester current account statement ( now a Santander Statement) showing at £15k
Ignored

18/02 letter from Santander "we are writing to tell you about an internal admin error.......we may not have written to you with regards to arrears on your account" arrears £371 loan £15k
Ignored

17/03 From Santander "notice of missed payment"
Ignored

04/04 From Santander "second notice of missed payment"
Ignored

06/07 Default notice served areears £1911 to balance £16k

16/07 Sent cca to Santander

27/07 received cca from Cahoot
Niddy says enforceable

02/08 Letter from Debt Management & Recovery Services
"we have been instructed by Santander to recover arrears of £2.3k"
Ignored

09/08 SAR sent

08/09 received 2004-feb 2010 account sheets printed on un headed paper and 5 screen shots form Santader pc showing 2010-2011 account info
Ignored

08/10 intention to issue default letter from Santander call us to discuss payment options

14/10 called collections to discuss payment options was told that account should have defaulted earlier, outstanding amount needed to be re-calculated, would talk to line manager, no interest or action would be added/taken till sorted. Told to ring back in a few weeks

12/11 letter confirming termination of account arrears 3.9k

05/12 letter received "westcot will be our agent and act on our behalf"

13/12 Sent Account in dispute due to phone conversation of 14/10 and that unfair interest had been applied to account

20/12 Letter from Santander "investigating complaint"

28/12 Letter from Nelson Guest, "instructed by Westcot.. offer a discount... call or offer rejected for full amount"
Ignored

18/01/12 Letter from Santander " still looking into.... need 4 more weeks"

18/01/12 Letter from Nelson Guest "7 days or legal action may be taken"

28/01/12 letter from westcot re doorstep collector

03/02/12 sent only communicate in writing letter

14/02/12 letter from santander, still investigating....now been 8 weeks since first contact

20/02/12 letter from Credit Security "instructed by client to recover outstanding debt..."

Ignore or respond?


21/02/12 Letter sent following Niddy's advice " I am in the middle of a dispute...

10/04/12 Received correspondence back from Santander after 4 months from dispute letter.
They have now agreed that they will refund all charges from 2008 (6k off total o/s!!) as they accept that they did not send me any account statements or contact me from 2008 to 2011, They do not accept that they have to credit anything due to the rate jacking over the period of the loan (many others have been re-funded for their rate increases) Therefore my registered default is not showing the right amount with experian. Should they have defaulted some time in 2008 rather than the end of 2011? I Have sent the letter to Niddy by pm and could do with further advice. This could be of interest to all flexiloan victims!

10/05/12 Received letter from Moorcroft : " We have been instructed to collect overdue debt... (showing new figure, see previous post )
"it is a legal requirement to send notice of intended litigation before proceedings....."
"to prevent our recommending to our client that solicitors commence legal proceedings..."
"if agreement cannot be reached by 15/05/12, a claim may be issued by solicitors instructed to act on behalf of our client without further notice"
"please call us today and we will be happy to discuss a repayment programme....."

Should I send in dispute letter, is it time to involve FOS or for a DMP?

Niddy, could you advise please?

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

Hi All
Have I left this too late as I have not responded by the 15th deadline and I am unsure of the best move if there is one?
If anybody would be able to suggest the best course of action for me it would be greatly appreciated.
Thank You in anticipation.
Bos

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

UPDATE 15/05/12

Have realised I missed out a letter received from Santander dated 03/05, not sure if there is any relevance to the fact that they say they are referring the account to Westcot and the letter dated 08/05 is from Moorcroft




September 2004 loan 10k @ 5.8% variable paid up to
June 2008 hit personal problems, last payment and showing 10k os
Head in sand

Heard nothing till
Jan 2011 Cahoot loan appeared on my Alliance and leicester current account statement ( now a Santander Statement) showing at £15k
Ignored

18/02 letter from Santander "we are writing to tell you about an internal admin error.......we may not have written to you with regards to arrears on your account" arrears £371 loan £15k
Ignored

17/03 From Santander "notice of missed payment"
Ignored

04/04 From Santander "second notice of missed payment"
Ignored

06/07 Default notice served areears £1911 to balance £16k

16/07 Sent cca to Santander

27/07 received cca from Cahoot
Niddy says enforceable

02/08 Letter from Debt Management & Recovery Services
"we have been instructed by Santander to recover arrears of £2.3k"
Ignored

09/08 SAR sent

08/09 received 2004-feb 2010 account sheets printed on un headed paper and 5 screen shots form Santader pc showing 2010-2011 account info
Ignored

08/10 intention to issue default letter from Santander call us to discuss payment options

14/10 called collections to discuss payment options was told that account should have defaulted earlier, outstanding amount needed to be re-calculated, would talk to line manager, no interest or action would be added/taken till sorted. Told to ring back in a few weeks

12/11 letter confirming termination of account arrears 3.9k

05/12 letter received "westcot will be our agent and act on our behalf"

13/12 Sent Account in dispute due to phone conversation of 14/10 and that unfair interest had been applied to account

20/12 Letter from Santander "investigating complaint"

28/12 Letter from Nelson Guest, "instructed by Westcot.. offer a discount... call or offer rejected for full amount"
Ignored

18/01/12 Letter from Santander " still looking into.... need 4 more weeks"

18/01/12 Letter from Nelson Guest "7 days or legal action may be taken"

28/01/12 letter from westcot re doorstep collector

03/02/12 sent only communicate in writing letter

14/02/12 letter from santander, still investigating....now been 8 weeks since first contact

20/02/12 letter from Credit Security "instructed by client to recover outstanding debt..."

Ignore or respond?


21/02/12 Letter sent following Niddy's advice " I am in the middle of a dispute...

10/04/12 Received correspondence back from Santander after 4 months from dispute letter.
They have now agreed that they will refund all charges from 2008 (6k off total o/s!!) as they accept that they did not send me any account statements or contact me from 2008 to 2011, They do not accept that they have to credit anything due to the rate jacking over the period of the loan (many others have been re-funded for their rate increases) Therefore my registered default is not showing the right amount with experian. Should they have defaulted some time in 2008 rather than the end of 2011? I Have sent the letter to Niddy by pm and could do with further advice. This could be of interest to all flexiloan victims!

03/05/12 From Santander "I am writing to advise you that we will be referencing your account to our agent Wescot Credit....will be responsible for managing your account....all further communications should be addressed to them in the first instance...."

10/05/12 Received letter from Moorcroft : " We have been instructed by Santander to collect overdue debt... (showing new figure, see previous post )
"it is a legal requirement to send notice of intended litigation before proceedings....."
"to prevent our recommending to our client that solicitors commence legal proceedings..."
"if agreement cannot be reached by 15/05/12, a claim may be issued by solicitors instructed to act on behalf of our client without further notice"
"please call us today and we will be happy to discuss a repayment programme....."

Should I send in dispute letter, is it time to involve FOS or for a DMP? Why from Moorcroft when Santander has said their agent is Westcot?

Niddy, could you advise please?

[Never-In-Doubt]

Re: Newbie needs advice please Cahoot Flexiloan

Hiya

Send this ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Send it to Moorcroft and stop worrying :niddy

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

Thanks Niddy will send in the morning.

BTW If you ever say "Start Worrying" I'll SHxT myself !!!!!!!

Much appreciated
Bos

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

Update 16/05/12
September 2004 loan 10k @ 5.8% variable paid up to
June 2008 hit personal problems, last payment and showing 10k os
Head in sand

Heard nothing till
Jan 2011 Cahoot loan appeared on my Alliance and leicester current account statement ( now a Santander Statement) showing at £15k
Ignored

18/02 letter from Santander "we are writing to tell you about an internal admin error.......we may not have written to you with regards to arrears on your account" arrears £371 loan £15k
Ignored

17/03 From Santander "notice of missed payment"
Ignored

04/04 From Santander "second notice of missed payment"
Ignored

06/07 Default notice served areears £1911 to balance £16k

16/07 Sent cca to Santander

27/07 received cca from Cahoot
Niddy says enforceable

02/08 Letter from Debt Management & Recovery Services
"we have been instructed by Santander to recover arrears of £2.3k"
Ignored

09/08 SAR sent

08/09 received 2004-feb 2010 account sheets printed on un headed paper and 5 screen shots form Santader pc showing 2010-2011 account info
Ignored

08/10 intention to issue default letter from Santander call us to discuss payment options

14/10 called collections to discuss payment options was told that account should have defaulted earlier, outstanding amount needed to be re-calculated, would talk to line manager, no interest or action would be added/taken till sorted. Told to ring back in a few weeks

9/11/11 Default registered at CRA

12/11 letter confirming termination of account arrears 3.9k

05/12 letter received "westcot will be our agent and act on our behalf"

13/12 Sent Account in dispute due to phone conversation of 14/10 and that unfair interest had been applied to account

20/12 Letter from Santander "investigating complaint"

28/12 Letter from Nelson Guest, "instructed by Westcot.. offer a discount... call or offer rejected for full amount"
Ignored

18/01/12 Letter from Santander " still looking into.... need 4 more weeks"

18/01/12 Letter from Nelson Guest "7 days or legal action may be taken"

28/01/12 letter from westcot re doorstep collector

03/02/12 sent only communicate in writing letter

14/02/12 letter from santander, still investigating....now been 8 weeks since first contact

20/02/12 letter from Credit Security "instructed by client to recover outstanding debt..."

Ignore or respond?


21/02/12 Letter sent following Niddy's advice " I am in the middle of a dispute...

10/04/12 Received correspondence back from Santander after 4 months from dispute letter.
They have now agreed that they will refund all charges from 2008 (6k off total o/s!!) as they accept that they did not send me any account statements or contact me from 2008 to 2011, They do not accept that they have to credit anything due to the rate jacking over the period of the loan (many others have been re-funded for their rate increases) Therefore my registered default is not showing the right amount with experian. Should they have defaulted some time in 2008 rather than the end of 2011? I Have sent the letter to Niddy by pm and could do with further advice. This could be of interest to all flexiloan victims!

03/05/12 From Santander "I am writing to advise you that we will be referencing your account to our agent Wescot Credit....will be responsible for managing your account....all further communications should be addressed to them in the first instance...."

10/05/12 Received letter from Moorcroft : " We have been instructed by Santander to collect overdue debt... (showing new figure, see previous post )
"it is a legal requirement to send notice of intended litigation before proceedings....."
"to prevent our recommending to our client that solicitors commence legal proceedings..."
"if agreement cannot be reached by 15/05/12, a claim may be issued by solicitors instructed to act on behalf of our client without further notice"
"please call us today and we will be happy to discuss a repayment programme....."

Should I send in dispute letter, is it time to involve FOS or for a DMP? Why from Moorcroft when Santander has said their agent is Westcot?

Niddy, could you advise please?

16/05/12 on Niddy's advice sent this
Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks Niddy and All

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

UPDATE 23/05/12
September 2004 loan 10k @ 5.8% variable paid up to
June 2008 hit personal problems, last payment and showing 10k os
Head in sand

Heard nothing till
Jan 2011 Cahoot loan appeared on my Alliance and leicester current account statement ( now a Santander Statement) showing at £15k
Ignored

18/02/11 letter from Santander "we are writing to tell you about an internal admin error.......we may not have written to you with regards to arrears on your account" arrears £371 loan £15k
Ignored

17/03/11 From Santander "notice of missed payment"
Ignored

04/04/11 From Santander "second notice of missed payment"
Ignored

06/07/11 Default notice served areears £1911 to balance £16k

16/07/11 Sent cca to Santander

27/07/11 received cca from Cahoot
Niddy says enforceable

02/08/11 Letter from Debt Management & Recovery Services
"we have been instructed by Santander to recover arrears of £2.3k"
Ignored

09/08/11 SAR sent

08/09/11 received 2004-feb 2010 account sheets printed on un headed paper and 5 screen shots form Santader pc showing 2010-2011 account info
Ignored

08/10/11 intention to issue default letter from Santander call us to discuss payment options

14/10/11 called collections to discuss payment options was told that account should have defaulted earlier, outstanding amount needed to be re-calculated, would talk to line manager, no interest or action would be added/taken till sorted. Told to ring back in a few weeks

9/11/11 Default registered at CRA

12/11/11 letter confirming termination of account arrears 3.9k

05/12/11 letter received "westcot will be our agent and act on our behalf"

13/12/11 Sent Account in dispute due to phone conversation of 14/10 and that unfair interest had been applied to account

20/12/11 Letter from Santander "investigating complaint"

28/12/11 Letter from Nelson Guest, "instructed by Westcot.. offer a discount... call or offer rejected for full amount"
Ignored

18/01/12 Letter from Santander " still looking into.... need 4 more weeks"

18/01/12 Letter from Nelson Guest "7 days or legal action may be taken"

28/01/12 letter from westcot re doorstep collector

03/02/12 sent only communicate in writing letter

14/02/12 letter from santander, still investigating....now been 8 weeks since first contact

20/02/12 letter from Credit Security "instructed by client to recover outstanding debt..."

Ignore or respond?


21/02/12 Letter sent following Niddy's advice " I am in the middle of a dispute...

10/04/12 Received correspondence back from Santander after 4 months from dispute letter.
They have now agreed that they will refund all charges from 2008 (6k off total o/s!!) as they accept that they did not send me any account statements or contact me from 2008 to 2011, They do not accept that they have to credit anything due to the rate jacking over the period of the loan (many others have been re-funded for their rate increases) Therefore my registered default is not showing the right amount with experian. Should they have defaulted some time in 2008 rather than the end of 2011? I Have sent the letter to Niddy by pm and could do with further advice. This could be of interest to all flexiloan victims!

03/05/12 From Santander "I am writing to advise you that we will be referencing your account to our agent Wescot Credit....will be responsible for managing your account....all further communications should be addressed to them in the first instance...."

10/05/12 Received letter from Moorcroft : " We have been instructed by Santander to collect overdue debt... (showing new figure, see previous post )
"it is a legal requirement to send notice of intended litigation before proceedings....."
"to prevent our recommending to our client that solicitors commence legal proceedings..."
"if agreement cannot be reached by 15/05/12, a claim may be issued by solicitors instructed to act on behalf of our client without further notice"
"please call us today and we will be happy to discuss a repayment programme....."

Should I send in dispute letter, is it time to involve FOS or for a DMP? Why from Moorcroft when Santander has said their agent is Westcot?

Niddy, could you advise please?

16/05/12 on Niddy's advice sent this
Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks Niddy and All

23/05/12 Letter from Moorcroft
"Important Information - Possible Litigation - to prevent the above possible action please send payment or call immediately....if you do not contact us following receipt of this letter...may have no alternative but to recommend to our client that solicitors issue legal action..if successful in entering judgment then you debt may increase as follows..........
Neither we nor our client want court proceedings to be issued and it is still possible for you to avoid this by agreeing a repayment plan that you can afford and maintain"

IGNORE?

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

UPDATE 01/06/12
September 2004 loan 10k @ 5.8% variable paid up to
June 2008 hit personal problems, last payment and showing 10k os
Head in sand

Heard nothing till
Jan 2011 Cahoot loan appeared on my Alliance and leicester current account statement ( now a Santander Statement) showing at £15k
Ignored

18/02/11 letter from Santander "we are writing to tell you about an internal admin error.......we may not have written to you with regards to arrears on your account" arrears £371 loan £15k
Ignored

17/03/11 From Santander "notice of missed payment"
Ignored

04/04/11 From Santander "second notice of missed payment"
Ignored

06/07/11 Default notice served areears £1911 to balance £16k

16/07/11 Sent cca to Santander

27/07/11 received cca from Cahoot
Niddy says enforceable

02/08/11 Letter from Debt Management & Recovery Services
"we have been instructed by Santander to recover arrears of £2.3k"
Ignored

09/08/11 SAR sent

08/09/11 received 2004-feb 2010 account sheets printed on un headed paper and 5 screen shots form Santader pc showing 2010-2011 account info
Ignored

08/10/11 intention to issue default letter from Santander call us to discuss payment options

14/10/11 called collections to discuss payment options was told that account should have defaulted earlier, outstanding amount needed to be re-calculated, would talk to line manager, no interest or action would be added/taken till sorted. Told to ring back in a few weeks

9/11/11 Default registered at CRA

12/11/11 letter confirming termination of account arrears 3.9k

05/12/11 letter received "westcot will be our agent and act on our behalf"

13/12/11 Sent Account in dispute due to phone conversation of 14/10 and that unfair interest had been applied to account

20/12/11 Letter from Santander "investigating complaint"

28/12/11 Letter from Nelson Guest, "instructed by Westcot.. offer a discount... call or offer rejected for full amount"
Ignored

18/01/12 Letter from Santander " still looking into.... need 4 more weeks"

18/01/12 Letter from Nelson Guest "7 days or legal action may be taken"

28/01/12 letter from westcot re doorstep collector

03/02/12 sent only communicate in writing letter

14/02/12 letter from santander, still investigating....now been 8 weeks since first contact

20/02/12 letter from Credit Security "instructed by client to recover outstanding debt..."

Ignore or respond?


21/02/12 Letter sent following Niddy's advice " I am in the middle of a dispute...

10/04/12 Received correspondence back from Santander after 4 months from dispute letter.
They have now agreed that they will refund all charges from 2008 (6k off total o/s!!) as they accept that they did not send me any account statements or contact me from 2008 to 2011, They do not accept that they have to credit anything due to the rate jacking over the period of the loan (many others have been re-funded for their rate increases) Therefore my registered default is not showing the right amount with experian. Should they have defaulted some time in 2008 rather than the end of 2011? I Have sent the letter to Niddy by pm and could do with further advice. This could be of interest to all flexiloan victims!

03/05/12 From Santander "I am writing to advise you that we will be referencing your account to our agent Wescot Credit....will be responsible for managing your account....all further communications should be addressed to them in the first instance...."

10/05/12 Received letter from Moorcroft : " We have been instructed by Santander to collect overdue debt... (showing new figure, see previous post )
"it is a legal requirement to send notice of intended litigation before proceedings....."
"to prevent our recommending to our client that solicitors commence legal proceedings..."
"if agreement cannot be reached by 15/05/12, a claim may be issued by solicitors instructed to act on behalf of our client without further notice"
"please call us today and we will be happy to discuss a repayment programme....."

Should I send in dispute letter, is it time to involve FOS or for a DMP? Why from Moorcroft when Santander has said their agent is Westcot?

Niddy, could you advise please?

16/05/12 on Niddy's advice sent this
Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks Niddy and All

23/05/12 Letter from Moorcroft
"Important Information - Possible Litigation - to prevent the above possible action please send payment or call immediately....if you do not contact us following receipt of this letter...may have no alternative but to recommend to our client that solicitors issue legal action..if successful in entering judgment then you debt may increase as follows..........
Neither we nor our client want court proceedings to be issued and it is still possible for you to avoid this by agreeing a repayment plan that you can afford and maintain"

30/05/12 Letter from Moorcrap "thank you for your letter requesting a copy of the credit agreement.....you must provide £1.00 fee for us to process your request...."

Ignore or answer? Thanks everyone

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

UPDATE 15/06/12
September 2004 loan 10k @ 5.8% variable paid up to
June 2008 hit personal problems, last payment and showing 10k os
Head in sand

Heard nothing till
Jan 2011 Cahoot loan appeared on my Alliance and leicester current account statement ( now a Santander Statement) showing at £15k
Ignored

18/02/11 letter from Santander "we are writing to tell you about an internal admin error.......we may not have written to you with regards to arrears on your account" arrears £371 loan £15k
Ignored

17/03/11 From Santander "notice of missed payment"
Ignored

04/04/11 From Santander "second notice of missed payment"
Ignored

06/07/11 Default notice served areears £1911 to balance £16k

16/07/11 Sent cca to Santander

27/07/11 received cca from Cahoot
Niddy says enforceable

02/08/11 Letter from Debt Management & Recovery Services
"we have been instructed by Santander to recover arrears of £2.3k"
Ignored

09/08/11 SAR sent

08/09/11 received 2004-feb 2010 account sheets printed on un headed paper and 5 screen shots form Santader pc showing 2010-2011 account info
Ignored

08/10/11 intention to issue default letter from Santander call us to discuss payment options

14/10/11 called collections to discuss payment options was told that account should have defaulted earlier, outstanding amount needed to be re-calculated, would talk to line manager, no interest or action would be added/taken till sorted. Told to ring back in a few weeks

9/11/11 Default registered at CRA

12/11/11 letter confirming termination of account arrears 3.9k

05/12/11 letter received "westcot will be our agent and act on our behalf"

13/12/11 Sent Account in dispute due to phone conversation of 14/10 and that unfair interest had been applied to account

20/12/11 Letter from Santander "investigating complaint"

28/12/11 Letter from Nelson Guest, "instructed by Westcot.. offer a discount... call or offer rejected for full amount"
Ignored

18/01/12 Letter from Santander " still looking into.... need 4 more weeks"

18/01/12 Letter from Nelson Guest "7 days or legal action may be taken"

28/01/12 letter from westcot re doorstep collector

03/02/12 sent only communicate in writing letter

14/02/12 letter from santander, still investigating....now been 8 weeks since first contact

20/02/12 letter from Credit Security "instructed by client to recover outstanding debt..."

Ignore or respond?


21/02/12 Letter sent following Niddy's advice " I am in the middle of a dispute...

10/04/12 Received correspondence back from Santander after 4 months from dispute letter.
They have now agreed that they will refund all charges from 2008 (6k off total o/s!!) as they accept that they did not send me any account statements or contact me from 2008 to 2011, They do not accept that they have to credit anything due to the rate jacking over the period of the loan (many others have been re-funded for their rate increases) Therefore my registered default is not showing the right amount with experian. Should they have defaulted some time in 2008 rather than the end of 2011? I Have sent the letter to Niddy by pm and could do with further advice. This could be of interest to all flexiloan victims!

03/05/12 From Santander "I am writing to advise you that we will be referencing your account to our agent Wescot Credit....will be responsible for managing your account....all further communications should be addressed to them in the first instance...."

10/05/12 Received letter from Moorcroft : " We have been instructed by Santander to collect overdue debt... (showing new figure, see previous post )
"it is a legal requirement to send notice of intended litigation before proceedings....."
"to prevent our recommending to our client that solicitors commence legal proceedings..."
"if agreement cannot be reached by 15/05/12, a claim may be issued by solicitors instructed to act on behalf of our client without further notice"
"please call us today and we will be happy to discuss a repayment programme....."

Should I send in dispute letter, is it time to involve FOS or for a DMP? Why from Moorcroft when Santander has said their agent is Westcot?

Niddy, could you advise please?

16/05/12 on Niddy's advice sent this
Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

Thanks Niddy and All

23/05/12 Letter from Moorcroft
"Important Information - Possible Litigation - to prevent the above possible action please send payment or call immediately....if you do not contact us following receipt of this letter...may have no alternative but to recommend to our client that solicitors issue legal action..if successful in entering judgment then you debt may increase as follows..........
Neither we nor our client want court proceedings to be issued and it is still possible for you to avoid this by agreeing a repayment plan that you can afford and maintain"

30/05/12 Letter from Moorcrap "thank you for your letter requesting a copy of the credit agreement.....you must provide £1.00 fee for us to process your request...."

Ignore or answer? Thanks everyone

09/06/12 from MC "Monthly Instalment offer............failure to respond may leave us with no option but to recommend to our clients that they consider legal action....."

[Deepie]

Re: Newbie needs advice please Cahoot Flexiloan

They have not read you're last letter then..........
I Would send this-------->Threat by Creditor - To Commence Litigation

[bosdog]

Re: Newbie needs advice please Cahoot Flexiloan

Hi In2Deep

Thanks for responding.
With regards to them not reading my previous correspondence

Do you mean my letter 16/05/12 "letter before action response"?
I have not responded to their £1 request of 30/05/12, should I do this first?

Thanks, really appreciated
bos