liandconsmum's UE Diary

[liandconsmum]

Re: liandconsmum's UE Diary

Letter received today from the DCA re the Santander account. It says they are placing the account on hold while they check with Santander. So we'll see what happens from here.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

property? <snort> hardly...

definitely

[liandconsmum]

Re: liandconsmum's UE Diary

property? <snort> hardly...

[CleverClogs (RIP)]

Re: liandconsmum's UE Diary

Ahh however as DPA comes into play you CANNOT pp a letter to a creditor without first having hubby authorise you with the firm in question so don't do this as they'll reject it based on dpa1998.

But isn't a married woman a feme covert and hence the property of her husband?

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Ahh however as DPA comes into play you CANNOT pp a letter to a creditor without first having hubby authorise you with the firm in question so don't do this as they'll reject it based on dpa1998.

[CleverClogs (RIP)]

Re: liandconsmum's UE Diary

Usually secretaries will do it for their boss

As well as moisten their cigars?

[liandconsmum]

Re: liandconsmum's UE Diary

Ah, okay. I thought you only did this if you had the "authority" to sign for them. Thanks for that. That's regarding DH's Tesco account, so I will do that when the 60 days is up, after running it by him.

I glanced over the letter Santander sent me, while making copies to send to this new DCA. The actual wording is:

State of the account - the total sum paid £x.xx (specific amount listed, which is over what they are saying is due) and the outstanding balance £0.00.

Total sum which has become payable under the agreement but unpaid by the client: £0.00

It's their response to the "account information" requested when I did the CCA request last year. My letter to the DCA is very very long... it says "Please see attached."

[Never-In-Doubt]

Re: liandconsmum's UE Diary

just a quick question... "pp" before the signature? what does that mean?

You must have seen this on letters? Usually secretaries will do it for their boss, so they sign "per procurationem" for someone, ie they "PP" their signature by the other persons name so in your case, it'd be like this:

Yours faithfully,


Mr Smith

pp Mrs Smith - in your handwriting

ie you have in essence signed the letter on behalf of your hubby.

make sense?

[liandconsmum]

Re: liandconsmum's UE Diary

Clever Clogs - well, we've asked them to put it on hold for 60 days due to DH's mental health problems, so I'll wait out the 60 days and provided he is comfortable making decisions at that point, then I will remind them of the fact that the SAR has yet to be sent to us. Obviously I can't push it at the moment, as we've just asked for the account to be placed on hold, and while I can ask repeatedly for it, I don't want them to think it's DH trying to pull a fast one; he really is in no condition to be making financial decisions.

just a quick question... "pp" before the signature? what does that mean?

[CleverClogs (RIP)]

Re: liandconsmum's UE Diary

I suppose I could sign it myself. It's DH account, technically, as my name isn't on it. I could sign DH's name, we write completely different.

Just put "pp" in front of it.

As they've already released the CCA to us once, I simply don't understand why this nonsense over the SAR and the signature.

That's easy to understand: they're playing at Silly Buggers.

When someone sends them a SAR, it means that the alleged debtor has obtained advice and is starting to regain some degree of control. It is only natural, then, for the Data Controller of the OC or DCA to try to ensure they retain full control of the situation and of the data the alleged debtor is permitted to see.

[CleverClogs (RIP)]

Re: liandconsmum's UE Diary

As expected, letter from DCA re the Santander account arrived yesterday. I will be copying the zero balance letter from Santander and sending it to the DCA first thing Monday morning and then see what develops from there.

Perhaps you should enclose a cheque for that amount, in full and final settlement?

[Never-In-Doubt]

Re: liandconsmum's UE Diary

As expected, letter from DCA re the Santander account arrived yesterday. I will be copying the zero balance letter from Santander and sending it to the DCA first thing Monday morning and then see what develops from there.

Nice one, keep us posted

[liandconsmum]

Re: liandconsmum's UE Diary

As expected, letter from DCA re the Santander account arrived yesterday. I will be copying the zero balance letter from Santander and sending it to the DCA first thing Monday morning and then see what develops from there.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

Yep agreed, good idea - as you owe zero, then why respond?

[liandconsmum]

Re: liandconsmum's UE Diary

I will wait until we get a letter from the DCA and send them a copy with a "see attached" letter and go from there then. I will be SO glad when I'm all done dealing with Santander!!

I didn't send this particular account a letter re the mental health problems, as I considered it at "zero balance".. so would have had no reason to send anything to them. I will revisit that when I see what stance they take after sending them the zero balance sheet.

Thank you.