Oct Revolution's UE Diary

[ScabHunter]

Re: October Revolution's UE Diary

Well, this is of interest to me as I'm at exactly the same stage with Crapbot/FIRE/Hilarity.

I haven't yet fired off my first letter to them, but will do so soon. No two cases are the same, of course, but if they have scuttled off back to their hole after one letter it is hard to believe that they are going to be the toughest nut to crack.

In my case I was hoping to string them along for a bit before it got sent back to Crapbot, because anything which absorbs a bit of time helps. Mine is now only six months from the SB date.

Anyway, good job on yours and keep going.

SH

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 1

First Direct (Metropolitan Collection Services)

Activity:
6/10/10 - CCA Request sent
22/10/10 - letter rec'd from MCS "not in a position to respond to my request; once we are will respond with relevant documetation."

10/12/11 - After almost 15 months of no contact I've finally heard from Metropolitan Collection services: "....we enclose a copy of your executed agreement inc. terms and conditions....consequently we now require your offer of payment....". All they have provided is a one page application form and nothing else. The copy is a really bad one too. NID says copy is illegible so as it stands it's UE. Ignore and see what happens next.

19/01/12 - Letter rec'd from METROPOLITAN: "....agreement to hold this acc has now expired and you have failed to contact us....we now require payment....you must telephone us to avoid possibility of legal action....we now require your offer of payment....failure to contact us in 7 days will result in continued recovery action...." I2D says send CCA Query - Application Form Received - Letter sent.

08/03/12 - Same letter as above rec'd from METROPOLITAN - will ignore.

24/03/12 - Letter rec’d from Metropolitan: “…disappointed not been able to come to agreement…call us immediately to discuss proposals…may agree discount…repayment or settlement proposal…contact us today…”. I will IGNORE

17/04/12 - letter rec'd from Metropolitan: "...you have failed to make payment as requested...no alternative but to take further action...may involve doorstep collection...legal proceeding...CCJ...bailiff visiting...attachment of earnings...further legal fees added to debt...contact us to arrange payment...". Advised to send "Creditor refusal to accept UE" letter.

01/05/12 - Letter rec'd from Metropolitan: "...in response to last letter...CCA is enforceable....burden lies with borrower to demonstrate to the court that the Bank has failed...any further costs will be met by you...we require your payment proposals in next 14 days...". I will IGNORE and see what they send next.

08/05/12 - Letter rec'd from Metropolitan: "...we are referring your acc to DG Solicitors who will contact you direct...they have been selected to help/understand your circumstances...where possible agree an affordable re-payment plan...". Will wait to see what DG Solicitors send next.

12/05/12 - Letter received from D G Solicitors: "...We act for HSBC...despite demand payment has not been made...we may be instructed to take legal action...obtain CCJ...to avoid pay within 14 days or make arrangements for re-payment...please contact us...". Niddy says send "Threat of litigation" - Letter sent.

02/0612 - Letter rec'd from DG Solicitors: "...IMPORTANT YOU RESPOND TO THIS COMMUNICATION...please call us within 24 hours...if you DO NOT it may NOT be possible to avoid legal action...". I will ignore and see what they do next.

11/06/12 - Letter rec'd from DG Solicitors: "......despite a number of attempts to contact you...disappointed we have not rec'd payment proposals...our client is willing to agree reasonable repayment proposals...please call to discuss...". Niddy says send a cover letter saying "see attached" and send a copy of the last letter, ie the threat of litigation from earlier in may (12th?)- letter sent

Hi Niddy/I2D,

I have an update to above account:

UPDATE 21/06/12:

Letter rec'd from DG Solicitors: "...despite previous demands you have failed to pay this debt...unless immediate payment is made we have been asked by our client to instruct DCA to recover...it is possible there may be another solution...our client is willing to offer a discount of 20% to the amount outstanding and accept this sum as F&F as long as paid in 10 days...if you can pay this discounted sum contact us to arrange payment..."

Do I need to do anything or just ignore? (my letter to them on 11/06/12 was delivered on 14/06/12)

Many thanks

[The Tech Clerk]

Re: October Revolution's UE Diary

Hi Niddy/I2D,

I have an update to above account:

UPDATE 21/06/12:

Letter rec'd from DG Solicitors: "...despite previous demands you have failed to pay this debt...unless immediate payment is made we have been asked by our client to instruct DCA to recover...it is possible there may be another solution...our client is willing to offer a discount of 20% to the amount outstanding and accept this sum as F&F as long as paid in 10 days...if you can pay this discounted sum contact us to arrange payment..."

Do I need to do anything or just ignore? (my letter to them on 11/06/12 was delivered on 14/06/12)

Many thanks

Takes them at least 10 days if they reply I found, also be careful with DG (they are HSBCs inhouse guys)they lie then before you know it Northampton involved where they hope you are ignorant to the system, as Nothampton way they do not at that stage have to supply evidence.

But it would seem possibly no enforceable CCA1974 as in a lot of their cases, offering 20% is unusual for them!! interesting.

In my case followed what was suggested, in the back ground they were issuing N1, .

[Never-In-Doubt]

Re: October Revolution's UE Diary

In my case I was hoping to string them along for a bit before it got sent back to Crapbot, because anything which absorbs a bit of time helps. Mine is now only six months from the SB date.

You'll be fine then mate - we'll easily be able to drag it out for 6mths, a simple FOS complaint can do that and run it into SB status

[Never-In-Doubt]

Re: October Revolution's UE Diary

I would send off a copy of this (to DG) asap mate ---> Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status

[Oct Revolution]

Re: October Revolution's UE Diary

I would send off a copy of this (to DG) asap mate ---> Our Templates | Unenforceability Templates | CCA Query - Creditor Refusal to Accept UE Status

Thanks for that Niddy,

I will get letter sorted and posted on Monday.

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 6

Barclaycard Mastercard (Mercers/Calders)


Activity:
06/10/10 - CCA Request sent to Mercers
22/10/10 - letter rec'd from Barclaycard - "acknowledge my CCA request and will respond asap".
18/02/11 - letter rec'd from Barclaycard MASTERCARD: “As you have not complied with recent Default Notice, the outstanding balance is due in full and we demand payment immediately…balance will accrue interest….if we do not receive payment in 7 days a Debt Collector may call upon you for repayment or we may proceed with legal proceedings". I still have not received my CCA for this account.

22/02/11 - CCA received from Barclaycard Mastercard; It just looks like old and new T&C’s.
22/02/11 - Nid says send CCA Query "T&C's supllied" template.
22/02/11 - Above letter sent
04/0311 - Letter from B/card MASTERCARD in response to last letter sent. Briefly says: "That the agreement is enforceable; quotes the Judge Waksman QC in Carey v HSBC case; what they do and don't have to supply; not in dispute with regards OFT guidelines; believe agreement to be enforceable; will continue to pursue debt; please consider this to be our final response". NID says Ignore.

04/03/11 - BUT also rec'd a letter from Moorcroft Debt Recovery Limited saying: "act as agents for B/Card MASTERCARD.... you've not complied with Formal Demand....balance is due....interest will be charged at 1% per month....may affect credit file....if not paid in 7 days a Debt Collector may call upon you or County Court proceedings may be issued .....". NID says send "Debtors Final Response - CCA Received".

08/03/11 - Above letter sent.
21/03/11 - Letter rec'd from Moorcroft (dated 10/3/11) as follows: “IMPORTANT INFORMATION – POSSIBLE LITIGATION….to prevent send payment in 7 days….if not we have no alternative but to recommend to our client that solicitors issue legal action against you….may incur further costs…contact us as we nor our client want court proceedings….”. Will ignore as crossed with my last letter of 8/3/11

31/03/11 - Letter rec’d from Moorcroft: “We refer to previous correspondence and confirm at this time our client is currently unable to prove a signed copy of the agreement relating to this account....there remains an obligation to honour original agreement….balance of account remains due.... credit file will reflect this….account is on hold ….please call to arrange a discounted agreement….” I will keep this letter very safe

21/04/11 - Letter rec’d from Moorcroft: "MONTHLY INSTALMENT OFFER: ….to stop our recommending to our client that solicitors commence legal proceedings we are prepared to accept £***.** per month….". NID says send CCA Query - Letter previously confirming no CCA. Letter sent.

09/05/11 - Letter rec’d from Midas Credit Services: “LITIGATION WARNING ….We are part of Moorcroft Group....are aware you have failed to reach a repayment plan….we are reviewing acc prior to any possible legal action by external solicitors….to prevent contact us….failure to do so within 7 days may mean that a decision to proceed with legal action will be made….”. NID says send "CCA Query - Letter previously confirming no CCA" to Midas along with copy letter. Letter sent.

20/05/11 - letter rec'd from Moorcroft - Home Collections Division - "...records show despite previous letters no payments have been made....your acc has now been passed to our HOME COLLECTION DIVISION for action....may involve local rep calling at your ....if you prefer contact us to arrange repayment....if no agreement made with us/local rep you may leave us no alternative but to recommend to our client that solicitors commence legal proceedings..." Nid says send "Enough is Enough" template plus copy of letter from Moorcroft from 31/03/11 advising no CCA. Letters sent.

01/06/11 - Letter rec'd from Moorcroft in response to my last letter: ".... it is our understanding that you advised this acc remains in dispute as you have not rec'd your CCA....our records show that we sent you a letter advising our client was unable obtain a copy of your CCA....we have now asked our client to check their records to provide a CCA if possible....we are awaiting our clients response....be assured that our position is that we would be happy to seek to agree a sensible/affordable payment plan to ensure this debt can be paid....acc. is on hold until we can revert back to our clients response ...." I will file this letter very carefully with my other one and see what happens next.

29/06/11 - Letter rec'd from Moorcroft: “….we advise your acc has now been closed and returned to our client….you will receive no further contact from us….further recovery action now lies with our client and we ask you to contact them….”. Nid says file/ignore and see which DCA gets it next !

21/07/11 - Letter rec'd from Barclaycard: "....acc has now been assigned and transferred to MKDP LLP who have appointed MKRR as their servicing agents....all contact/payments should be directed to MKRR....". Will ignore for now.

24/08/11 - Letter received from MKRR“….writing in regard to outstanding balance, with objective of finding resolution of debt….ignoring letter will make situation worse….we can offer payment arrangements….if you ignore we are left with no option but to continue collections activity….” Sent CCA Query - Letter previously confirming no CCA with copy letter from Moorcroft.

08/09/11 -Letter rec’d from MKRR in response to my “CCA Query - Letter previously confirming no CCA” letter: “….at this time unable to resolve your concern….needs further investigation with Barclaycard .... will contact you as soon as we receive response….” I will ignore and see what happens next.

20/02/12 - Letter rec'd from MKRR: "....Barclaycard are currently unable to provide copy of CCA....are unable to enforce....you should continue to pay the debt .... we will take any action short of enforcement.... obliged to seek payment....MKRR are now legal owner....contact us to arrange payment plan....". I will keep this letter very safe with my other letter from Moorcroft stating similar.

20/03/12 - Letter rec'd from MKRR: "...FINAL NOTICE...as not taken up our offer we must now inform you we are instructing our pre-legal dept. to review your acc for action....may commence litigation...it is not too late to resolve...contact us...". NID says ignore

30/03/12 - Letter rec'd from MKRR: "...FINAL DEMAND...as not taken up our offer acc is now with pre-legal team....no option but to transfer to Raven Recoveries to resolve on our behalf...may involve CCJ and all what that will involve...final opportunity...we can help...do not want to take legal action...contact us to avoid this option..." I2D says send "Threat by creditor to commence litigation". Letter sent.

17/04/12 - Letter from MKRR: "...in receipt of last letter ...will contact Barclaycard for further investigation...". I will file and await their investigations.....

27/04/12 - Letter rec'd from Raven Recoveries: "...having not paid MKRR we are instructed to collect outstanding balance...payment in full required unless you can give a reason for not...contact us to re-pay...failure to do so in 7 days may assess your acc for further action". I will IGNORE for now.

09/06/12 - Letter rec'd from Raven Recoveries: "...despite numerous letters you have not paid...full payment is required upon receipt of this letter unless you can give us a reason for not paying...call us today..." I2D says send "CCA query - letter confirming no CCA" along with copy letter from Moorcroft on 31/03/11 - letters sent.

Hi Niddy/I2D,

I have an update to above account:

UPDATE: 23/06/12:

Letter rec'd from MKDP (in response to mine of 09/06/12): "...please accept this letter as final response...understand you believe we are unable to seek payment as Barclaycard have failed to comply with CCA...as stated previously Barclaycard are unable to provide CCA...and cannot enforce...but will continue all action short of enforcement...we are obliged to seek payments to outstanding balance and will continue collection activities..."

As they say (again) Barclaycard are unable to provide CCA and unable to enforce but are just going to continue collection activities I will just ignore and see what they do next.

[Deepie]

Re: October Revolution's UE Diary

Hi Niddy/I2D,

I have an update to above account:

UPDATE: 23/06/12:

Letter rec'd from MKDP (in response to mine of 09/06/12): "...please accept this letter as final response...understand you believe we are unable to seek payment as Barclaycard have failed to comply with CCA...as stated previously Barclaycard are unable to provide CCA...and cannot enforce...but will continue all action short of enforcement...we are obliged to seek payments to outstanding balance and will continue collection activities..."

As they say (again) Barclaycard are unable to provide CCA and unable to enforce but are just going to continue collection activities I will just ignore and see what they do next.

Let them waste their time and effort.............

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 9

Egg

Activity:

06/10/10 - CCA Request sent
22/10/10 - CCA rec'd (will e-mail to NID for advice)Nid says acc may be enforceable but to blag for time being and send "T&C's rec'd" letter.
25/10/10 - "T&C's rec'd" Letter sent to Egg
04/11/10 - Letter rec'd for last; Egg looking into complaint, may take upto 8 weeks
23/11/10 - Reply from Egg ref my complaint:- "the docs provided constitute a true copy of agreement; now satisfied my request for CCA the complaint is now closed; regular monthly payments should continue". NID says bog standard letter ignore for now.

25/01/11 - Letter rec'd from Clarity " ...been instructed by EGG to make arrangements with you to repay above amount……are prepared to offer 15% discount as F&F…and will remain open for 7 days…if unable to pay contact them to agree payment plan….If we do not hear from you will consider options available to us…..inc. rep. visiting or where agreement remains legally enforceable, recommend to client that their solicitors be instructed to commence legal action” Nid says to send "Threat o Gram before action" letter.

27/01/11 - Above letter sent

02/02/11 - Calls received daily from Clarity - Ignoring/Not answering.
08/02/11 - Letter rec'd from Clarity:“we wrote recently but note we have not reached an agreement with you…your acc is in default and full balance is payable immediately….if the agreement remains legally enforceable we will consider recommending our client/solicitors commence legal action.. if you ignore this letter further recovery action will take place…to prevent this pay balance/arrange repayment by instalments via web site; call; e-mail; send cheque”

10/02/11 - NID says ignore last as letter crossed with my letter of 27/01/11

18/02/11 - letter rec'd from Clarity: “thank you for your recent letter…..we have requested further info from EGG and will be in contact once we have received a response”. Assume it’s in response to my letter sent to them on 27/01/11 “threat o gram before legal action”. I will just file and wait to see what happens next.

27/06/11: - letter rec'd from Fredrickson International Ltd: “….instructed by Egg to collect outstanding balance….you have failed to pay outstanding balance despite repeated requests….full payment now due to avoid further action….contact us IMMEDIATELY to discuss this matter….payment should be made to Fredrickson International LTD….”. NID says ignore and see what they send next.

27/06/11 - Receiving over 14 calls a day from Fredrickson: "Harassment by Telephone" letter sent.

05/07/11 - The letter has worked as calls seem to have stopped for now.

08/07/11 - Letter rec'd from Fredrickson: "....as arranged we have enclosed our official Financial Statement form for you to complete....we can not consider your circumstances unless you complete and return....". I will ignore and see what happens next.

14/07/11 - letter rec'd from Fredrickson: "LETTER BEFORE ACTION....this debt must be paid in full in next 7 days otherwise we will refer to solicitors who may take legal action without further notice....further additional costs will be added....bailiff may call....judgement would affect future credit....pay now...." Nid says send "account sold whilst in dispute" - letter sent.

28/07/11 - Letter from Fredrickson in response to my "account sold whilst in dispute" letter:
".....we have referred matter to client....will revert to you when instructions rec'd....acc placed on hold....". will file and see what happens next.

05/10/11 - Letter from Fredrickson who have now "contacted Egg" and "have enclosed account documents....hope this clarifies matters....look forward to proposals for discharge of acc....". Documents sent are exactly the same as supplied direct to me from Egg on 22/10/10. NID says IGNORE.

12/11/11 - Letter rec'd from Barclaycard: "....acc now transferred to Arrow Global Guernsey....this letter is formal notice of assignment....oustanding balance now payable to Global....Fredrickson will continue to service acc....Global will contact you direct....". In2Deep says ignore until I hear from Global.

22/11/11 - Letter rec'd from Arrow Global: "....advise you that Barclays has assigned acc to us....you should contact Fredricksons to repay this acc as a matter of urgency....all correspondance should also be directed to Fredricksons....". NID says ignore

Hi Niddy/I2D,

I have an update to above account:

UPDATE: 29/06/12

Letter rec'd from Fredrickson: "...we refer to recent communication...we are no longer instructed in connection with this matter and have returned acc to our client..."

The recent (or not so recent) communication they refer to is my last letter of 14/07/11 "account sold whilst in dispute". Took them some time to reply but all the while the SB clock is ticking. I will file and see who gets the account next.

[Deepie]

Re: October Revolution's UE Diary

Hi Niddy/I2D,

I have an update to above account:

UPDATE: 29/06/12

Letter rec'd from Fredrickson: "...we refer to recent communication...we are no longer instructed in connection with this matter and have returned acc to our client..."

The recent (or not so recent) communication they refer to is my last letter of 14/07/11 "account sold whilst in dispute". Took them some time to reply but all the while the SB clock is ticking. I will file and see who gets the account next.

.......... Lets see who gets it next

[Never-In-Doubt]

Re: October Revolution's UE Diary

That's quite a good update (for once) mate, especially as these twats like ruining our weekends

Well done

[Oct Revolution]

Re: October Revolution's UE Diary

That's quite a good update (for once) mate, especially as these twats like ruining our weekends

Well done

Yes It makes a change - I'd not heard from them for so long I had to go into the archives and dust the file down . I bet they wish their filing was as good (not) so they could deal with all these CCA requests we're sending out .

Cheers - have a good weekend

[Pixie]

Re: October Revolution's UE Diary

Great stuff OR

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 1

First Direct (Metropolitan Collection Services)

Activity:
6/10/10 - CCA Request sent
22/10/10 - letter rec'd from MCS "not in a position to respond to my request; once we are will respond with relevant documetation."

10/12/11 - After almost 15 months of no contact I've finally heard from Metropolitan Collection services: "....we enclose a copy of your executed agreement inc. terms and conditions....consequently we now require your offer of payment....". All they have provided is a one page application form and nothing else. The copy is a really bad one too. NID says copy is illegible so as it stands it's UE. Ignore and see what happens next.

19/01/12 - Letter rec'd from METROPOLITAN: "....agreement to hold this acc has now expired and you have failed to contact us....we now require payment....you must telephone us to avoid possibility of legal action....we now require your offer of payment....failure to contact us in 7 days will result in continued recovery action...." I2D says send CCA Query - Application Form Received - Letter sent.

08/03/12 - Same letter as above rec'd from METROPOLITAN - will ignore.

24/03/12 - Letter rec’d from Metropolitan: “…disappointed not been able to come to agreement…call us immediately to discuss proposals…may agree discount…repayment or settlement proposal…contact us today…”. I will IGNORE

17/04/12 - letter rec'd from Metropolitan: "...you have failed to make payment as requested...no alternative but to take further action...may involve doorstep collection...legal proceeding...CCJ...bailiff visiting...attachment of earnings...further legal fees added to debt...contact us to arrange payment...". Advised to send "Creditor refusal to accept UE" letter.

01/05/12 - Letter rec'd from Metropolitan: "...in response to last letter...CCA is enforceable....burden lies with borrower to demonstrate to the court that the Bank has failed...any further costs will be met by you...we require your payment proposals in next 14 days...". I will IGNORE and see what they send next.

08/05/12 - Letter rec'd from Metropolitan: "...we are referring your acc to DG Solicitors who will contact you direct...they have been selected to help/understand your circumstances...where possible agree an affordable re-payment plan...". Will wait to see what DG Solicitors send next.

12/05/12 - Letter received from D G Solicitors: "...We act for HSBC...despite demand payment has not been made...we may be instructed to take legal action...obtain CCJ...to avoid pay within 14 days or make arrangements for re-payment...please contact us...". Niddy says send "Threat of litigation" - Letter sent.

02/0612 - Letter rec'd from DG Solicitors: "...IMPORTANT YOU RESPOND TO THIS COMMUNICATION...please call us within 24 hours...if you DO NOT it may NOT be possible to avoid legal action...". I will ignore and see what they do next.

11/06/12 - Letter rec'd from DG Solicitors: "......despite a number of attempts to contact you...disappointed we have not rec'd payment proposals...our client is willing to agree reasonable repayment proposals...please call to discuss...". Niddy says send a cover letter saying "see attached" and send a copy of the last letter, ie the threat of litigation from earlier in may (12th?)- letter sent

21/06/12 - Letter rec'd from DG Solicitors: "...despite previous demands you have failed to pay this debt...unless immediate payment is made we have been asked by our client to instruct DCA to recover...it is possible there may be another solution...our client is willing to offer a discount of 20% to the amount outstanding and accept this sum as F&F as long as paid in 10 days...if you can pay this discounted sum contact us to arrange payment..." NID says send "CCA query - Creditor refusal to accept UE" - letter sent.

Hi everyone,

I have a quick update to above account:

UPDATE: 02/07/12:

Letter rec'd from Metropolitan: "...your acc is being transferred to our CENTRAL DEBT RECOVERY UNIT...they will contact you to arrange payment..."

Sounds posh. I will file and see what I get next from them.

[Oct Revolution]

Re: October Revolution's UE Diary

ACCOUNT 7

Cahoot/Santander

Activity:
06/10/10 - CCA Request sent
06/11/10 - CCA rec'd (e-mailed to NID for advice)
09/11/10 - NID says :UE "T&C's rec'd" letter sent
15/11/10 - Letter rec'd from Santander in response to last - "are looking into my complaint and I should hear from them shortly"

26/11/10 - Another letter from Santander similar to last but also stating "if account complained about still has an oustanding balance CCA remains in force and payments should continue; that missed payments will be shared with CRA; remain on file for 6 years - may affect credit status"

04/12/10 - Letter rec'd from Santander "it is our belief that we have fully complied with CCA and copy of Terms and Conditions support this and the agreement is fully enforceable." Niddy says ignore.

13/04/11 - Letter rec'd from Santander: "....understand you are still experiencing financial difficulty and would ask you to continue to make payments through your appointed 3rd party adviser as agreed....as advised we are informing you of our intention to submit default information to CRA....default will remaim on file for 6 years....". NID says ignore last.

10/05/11 - Letter rec’d from Santander: “….our records show proposed payments have not been made for some months….important you contact us to advise current financial situation/establishing why payments are not being made….failure will result in us resuming collection and recovery on your acc….”. NID says ignore

11/05/11 - Default Notice rec'd from Santander. Will file.

19/05/11 - Been receiving 2-3 calls daily from Santander for the past month, but not been answering. Have sent "Harassment By Telephone" template and see what comes of it.

01/06/11 - Letter rec'd from Santander. "...we have looked into your complaint and have removed your telephone number from our sytsems and will only communicate in writing...". A result I think

31/03/12 - Letter rec'd from Santander: "...while your complaint was investigated all collection activity was suspended...now complaint is concluded collection activity will commence...to stop this please pay in next 14 days...we are here to help...contact us...". Niddy says IGNORE

17/04/12 - Letter rec'd from Santander: "...we have noted that there is a sum outstanding...please pay in next 14 days...we are here to help...please contact to arrange payment..." I will IGNORE and see what happens next

28/04/12 - Letter from Santander: "...your acc is in arrears please pay immediately...will affect other facilities with us...we will report to CRA...". I will IGNORE.

17/05/12 - Letter rec'd from Santander: "...you have broken terms of agreement...above sum must be paid now...call us to pay...if you fail to comply take this letter as notice of our intention to register default with CRA...info will be registered for 6 years...failure to take action will result in acc being placed with Management Recovery Services...". I will IGNORE and file.

Hi Niddy/I2D,

I have an update to above account:

UPDATE: 02/07/12:

Statement rec'd from Santander showing a zero balance and that outstanding amount has been transferred. I assume they have sold acc to DCA (or transferred to an in-house one). I will file and see who/what contacts me next.

many thanks.