F19FOX's UE diary

[The Tech Clerk]

Diana Mayhew

Warwick65

[F19FOX]

F19FOX's account number 4

SANTANDER - ORIGINALLY ABBEY

• Type of account - Credit card
• Date commenced - 11th May 2009
• Approx balance - £4,294
• Date last 'full' payment - 30th Oct 2015
• Arrangement - not paying
• Status - defaulted 6th May 2016
• Account owner - Santander

2015
OCT26/10 Advice from Stepchange (SC) to set up temporary payment arrangements of £1 with each of my creditors as my income is less than my expenses.
30/10 Posted SC templated temporary payment arrangement letters to all creditors offering £1 per month token payments. Included budget and list of creditors.
7/11 Letter from Santander saying I have missed payment
13/11 Resent temporary payment letter + budget + list of creditors


2018
APR 27/4 Wrote to Santander to request copy of CCA
MAY20/5 I am pretty sure this was originally an Abbey credit card which was later rebranded to Santander. Thanks for the memory nudge Di
25/5 SAR letter posted to Santander
25/5 6 monthly statement received from Santander
29/5 SAR request signed for receipt from Royal Mail
JUN 2/6 cancelled all payments as nil response to CCA request
5/6 letter received from Santander acknowledging my SAR letter + committing to providing the information within 28 days
29/6 SAR response received from Santander. Comprising - cover letter (headed DPA 1988! Have they not heard of GDPR?), one pager credit agreement, one page DDM and 4 pages of transactions. Very surprised that there were no statements (even though I have received several from them previously) and no credit report which I requested in my SAR letter to them. Also interesting the credit agreement is in the name of Abbey!
SEP 22/9 letter received from Santander dated 17th Sept saying my account will now be managed by Robinson Way and to please speak to them from now on about my account. They will have a long wait
OCT 1/10 ltr received from Robinson Way dated 26th Sept confirming they are now managing my debt and asking me to contact them to agree an affordable plan .. blah blah blah ..ZZZZZZZZZZZZ

No The Tech Clerk it's for this debt

[The Tech Clerk]

sorry then CCA Satander Recorded delivery? Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN send to this one?

[F19FOX]

No worries but thank you for clarifying!

[F19FOX]

F19FOX's account number 1

SMILE (CO-OP BANK)

• Type of account - Current account overdraft
• Date commenced - 12th Jan 2000
• Approx balance - £593
• Date last 'full' payment - 30th Oct 2015
• Arrangement - not paying
• Status - defaulted 17th Jan 2017
• Account owner - Link Financial

2015
OCT26/10 Advice from Stepchange (SC) to set up temporary payment arrangements of £1 with each of my creditors as my income is less than my expenses.
30/10 Posted SC templated temporary payment arrangement letters to all creditors offering £1 per month token payments. Included budget and list of creditors.

2017
MAR 7/3 Letter to Smile requesting them to confirm account details to make payments (£1 pm) as last two payments have been rejected by my bank
JUN 5/6 Follow up letter to Smile again requesting bank account details as nil response from 7/3 letter and payments still being rejected by my bank

2018
MAY 31/5 CCA request posted to Link
Jun 1/6 CCA request signed for receipt from Royal Mail
22/6 SoA received from LInk Financial dated 1st June 2018
JUL 2/7 SAR letter posted to Co-op bank
10/7 cancelled all payments as nil response to CCA request
SEP Link - reminder notice - your payment is overdue dated 25th Sep 2018.

I've had Link chasing me for payment on this account which is an overdraft. I've not had any response to my CCA request - hence the reason for me not paying. Am I right in thinking that if they don't or can't supply me with a copy of the CCA then it's UE as would be for a credit card debt? Thnaks

[F19FOX]

F19FOX's account number 1

SMILE (CO-OP BANK)

• Type of account - Current account overdraft
• Date commenced - 12th Jan 2000
• Approx balance - £593
• Date last 'full' payment - 30th Oct 2015
• Arrangement - not paying
• Status - defaulted 17th Jan 2017
• Account owner - Link Financial

2015
OCT26/10 Advice from Stepchange (SC) to set up temporary payment arrangements of £1 with each of my creditors as my income is less than my expenses.
30/10 Posted SC templated temporary payment arrangement letters to all creditors offering £1 per month token payments. Included budget and list of creditors.

2017
MAR 7/3 Letter to Smile requesting them to confirm account details to make payments (£1 pm) as last two payments have been rejected by my bank
JUN 5/6 Follow up letter to Smile again requesting bank account details as nil response from 7/3 letter and payments still being rejected by my bank

2018
MAY 31/5 CCA request posted to Link
Jun 1/6 CCA request signed for receipt from Royal Mail
22/6 SoA received from LInk Financial dated 1st June 2018
JUL 2/7 SAR letter posted to Co-op bank
10/7 cancelled all payments as nil response to CCA request
SEP Link - reminder notice - your payment is overdue dated 25th Sep 2018.

I've had Link chasing me for payment on this account which is an overdraft. I've not had any response to my CCA request - hence the reason for me not paying. Am I right in thinking that if they don't or can't supply me with a copy of the CCA then it's UE as would be for a credit card debt? Thanks

[F19FOX]

F19FOX's account number 1

SMILE (CO-OP BANK)

• Type of account - Current account overdraft
• Date commenced - 12th Jan 2000
• Approx balance - £593
• Date last 'full' payment - 30th Oct 2015
• Arrangement - not paying
• Status - defaulted 17th Jan 2017
• Account owner - Link Financial

2015
OCT26/10 Advice from Stepchange (SC) to set up temporary payment arrangements of £1 with each of my creditors as my income is less than my expenses.
30/10 Posted SC templated temporary payment arrangement letters to all creditors offering £1 per month token payments. Included budget and list of creditors.

2017
MAR 7/3 Letter to Smile requesting them to confirm account details to make payments (£1 pm) as last two payments have been rejected by my bank
JUN 5/6 Follow up letter to Smile again requesting bank account details as nil response from 7/3 letter and payments still being rejected by my bank

2018
MAY 31/5 CCA request posted to Link
Jun 1/6 CCA request signed for receipt from Royal Mail
22/6 SoA received from LInk Financial dated 1st June 2018
JUL 2/7 SAR letter posted to Co-op bank
10/7 cancelled all payments as nil response to CCA request
SEP Link - reminder notice - your payment is overdue dated 25th Sep 2018.

I've had Link chasing me for payment on this account which is an overdraft. I've not had any response to my CCA request - hence the reason for me not paying. Am I right in thinking that if they don't or can't supply me with a copy of the CCA then it's UE as would be for a credit card debt? Thanks

[The Tech Clerk]

depends? = letter of Facility = overdraft. CCA later years???

[The Tech Clerk]

depends? = letter of acceptance = overdraft. CCA later years???

[F19FOX]

Thanks The Tech Clerk,

Could you please explain what you mean as I'm not clear?

I sent the CCA request as a result of Diana Mayhew's kind suggestion in my post #27

Thank you

[The Tech Clerk]

early overdrafts were just the letters of acceptance later came under the new rules. CCAs so if Di says CCA as you state that category okay!

[F19FOX]

Thank you The Tech Clerk

Well Link has not replied to my CCA request with either of those documents .. (or indeed any response for that matter!) .. so I will just assume that the debt is UE until they can send me something to prove otherwise

[The Tech Clerk]

they could issue proceedings, but during which they would need to supply later on

[Joanna Connolly Solicitors]

Could you please explain what you mean as I'm not clear?

I sent the CCA request as a result of Diana Mayhew's kind suggestion in my post #27

I'm not sure which debt is being discussed but if an arranged overdraft facility has been renewed annually since 2012 then s 78 CCA may apply (running-account credit agreement).

Di

[Joanna Connolly Solicitors]

they could issue proceedings

Not until they send the OP a formal Letter Before Claim giving them 30 days to respond.

At least that's what the new (1st October last year) Pre-Action Protocol says they should do.

Di