The SaltnVinegar UE Diary

[The Tech Clerk]

Re: The SaltnVinegar UE Diary

Interesting

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

This is an odd one. Today I get a letter from Santander, with a cheque (for a small amount of money - not going to be paying the rent or anything with it!), for a refund of 'interest that was calculated incorrectly when using my debit card'.

Now considering that I've not used this account in over 6 years (and stopped DMP payments over 4 years ago) I'm a little suspicious as to this letters intent. I'm considering the recent court case where someone with an O/D was found that the creditor had created an unfair relationship by expending the cycle of debt, and there is the class action suit against Mastercard that is potentially kicking off.

If I cash the cheque am I putting myself in any disadvantage (e.g. not then able to make a claim for something later, not able to claim unfair relationship etc)

Santander:

• Type of account - Current Account/Overdraft
  
  
• Date commenced - Years ago (something like 2000)
  
  
• Approx balance - Approx £3300
  
  
• Date last full payment - August/September 2010
  
  
• Are you on arrangement or not paying - Arrangement (stopped DMP payments July 2012)
  
  
• Status - Default notice received. Default registered with CRA May 2011
  
  
• Account owner - Wescot

Key:
Blue - Communication Sent
Red - Communication Received

21/7/2012 - Letter received from Wescot, failed to maintain payment plan arrangement
2/8/2012 - Letter received from Wescot. Pretty much same as letter of 21/7/2012
20/8/2012 - Letter received from Wescot threatening doorstep collection visit
21/8/2012 - Sent OD CCA Request - allaboutFORUMS - View Single Post - Overdrafts - CCA Information
21/8/2012 - Doorstep threat response letter sent
14/9/2012 - Letter received from Wescot. Account suspended pending investigations
18/7/2016 - Letter received from Santander with cheque for refund of 'interest & charges'

[nanna58]

Re: The SaltnVinegar UE Diary

See , told you to understand them yourself !!! x

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Looks like I have my monthly mailshot from Cabot - they want to understand my financial situation, it must be difficult blah blah.

Aren't they nice and caring?!

Capital One:

• Type of account - Credit Card
  
  
• Date commenced - November 2002
  
  
• Approx balance - Approx £1500
  
  
• Date last full payment - Unknown
  
  
• Are you on arrangement or not paying - Not paying
  
  
• Status - No DN received. Default registered with CRA's Dec 2010
  
  
• Account owner - Cabot

28/5/2016 - Notice of assignment from Cabot Financial
6/6/2016 - Letter from Cabot - I owe them money blah blah
6/7/2016 - Letter from Cabot - We want to help you understand your finances, it must be difficult blah blah

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Shhhhhhh xxx

Yes exactly Nanna!

[nanna58]

Re: The SaltnVinegar UE Diary

Shhhhhhh xxx

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Just the way we like it

Everything crossed for you

Thanks Spud - I'm quite happy for the current status to continue!

- - - Updated - - -

Just the way we like it

Everything crossed for you

Thanks Spud - I'm quite happy for the current status to continue!

[Spud]

Re: The SaltnVinegar UE Diary

all quiet this month!

Just the way we like it

Everything crossed for you

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Monthly update:

No change to the Barclaycard and Robinson Way - still cannot find the agreement, account on hold

Cabot demanding repayment of an account that is now SB - I won't bother to inform them of this fact

1st Credit - Providing a list of transactions on an O/D account from 2010 - 2012, but still seem to be missing the point that they may require a credit agreement (which they obviously don't have)

Other than that all quiet this month!

[Grassy_K]

Re: The SaltnVinegar UE Diary

They know what they're doing. How many CCJ's just sail through uncontested or badly contested.... most, I'd imagine.

[Susie]

Re: The SaltnVinegar UE Diary

They have certainly started buying up a load of very old ones. I do hope it bites them in the bum and they cannot sit down comfortably for a long time

[nanna58]

Re: The SaltnVinegar UE Diary

Getting the jitters !!

[SaltnVinegar]

Re: The SaltnVinegar UE Diary

Cabot have certainly been getting a lot more active this past month, they wrote to me last week about my Lloyds credit card account , first I had heard anything for a couple of years and I think it's more than coincidential that it's within weeks of becoming SB

Yes for sure its not coincidence! Perhaps they've just bought a DVD-ROM of 'speculative' accounts for the price of a packet of crisps and chancing their arm.

got one of those for MrD's old Lloyds card which is nearly a year SB, haven't told them yet either, they should check this stuff out before they chase shouldn't they??????

That would involve effort and more importantly common sense Mrs D

[MrsD]

Re: The SaltnVinegar UE Diary

got one of those for MrD's old Lloyds card which is nearly a year SB, haven't told them yet either, they should check this stuff out before they chase shouldn't they??????

[alland]

Re: The SaltnVinegar UE Diary

Cabot have certainly been getting a lot more active this past month, they wrote to me last week about my Lloyds credit card account , first I had heard anything for a couple of years and I think it's more than coincidential that it's within weeks of becoming SB