Santander admin westcot cc

[MACO]

Hi all, Thanks for your help over the years. This CC debt above, which was passed onto Westcot from Santander, I have been ignoring and everything has been quiet up until last week, when I received a letter from Santander to say they have now passed the collection onto Robinson Way. I have now received two threatening letters from robinson way, also a text message, all within the last few days. As yet I have not contacted them. Just as an update, this is an old CC debt that I defaulted around 7 years ago and agreed to pay Santander £20 a month with the interest frozen, then around December they suddenly decided to pass it to Westcot and now Robinson Way, since they passed it to Westcot I stopped paying the £20. Should I contact Robinson Way? am I right in I assuming they have bought this debt? if so what can they actually do to recover it?

[Warwick65]

Just to clarify, any reconstituted copy must contain your name and address at the time you took it out and their details from the same time. Also the agreement needs to be accurate.

Depending when the card was opened, they might have trouble if they can’t show the original

There are other things as well such as default notice etc.

[nightwatch]

Hi all, Today I have received a CCA from Santander for the original CC that I asked for. The CCA they have sent is just a standard CCA, it has no reference to me whatsoever it does not contain my name, address or my signature, with it they have attached a short letter saying this:

' Under the consumer credit (cancellation notice and copies of documents) Regulation 1983 we can comply with the legal requirement's by sending you a copy of an agreement in the same form as the one that was signed, but may exclude the signature box, customer signature and the date of signature.

they are quite correct, the CCA request is for information only. BUT, if they wish to persue in court it must be an original, were (if any) T&C's the ones at the date taken out, and did they send any other T&C's
It is best to get it checked out by Niddy. webmaster-at-all-about-debt
but it does sound to be Unenforceable

[MACO]

Hi all, Today I have received a CCA from Santander for the original CC that I asked for. The CCA they have sent is just a standard CCA, it has no reference to me whatsoever it does not contain my name, address or my signature, with it they have attached a short letter saying this:

' Under the consumer credit (cancellation notice and copies of documents) Regulation 1983 we can comply with the legal requirement's by sending you a copy of an agreement in the same form as the one that was signed, but may exclude the signature box, customer signature and the date of signature.

[Warwick65]

Sorry you will need to spell this out to me in simple terms

Do you have or have you had more than one credit card with Santander as they stand now - so this could include A&L or Abbey etc? or it could even be on elf the many branded cards , I think my ASDA card was with Santander at some point

You say this card was deemed UE about 7 years ago, who by?

If it was UE have you being paying and if so why? - I know some feel it is a moral obligation, I am afraid I am not one of them.

CL finance were a debt purchaser who are now part of a bigger operation, its the Robinson way people , off the top of my head I think that's Hoist but I maybe wrong

I think what they are saying is that you had some form of PPI on the card in which case you may want to claim it back

[MACO]

Hi Warwick, I really don't think this is the CC that I have sent the CCA request for, I think its an old one that was Deemed Unenforceable about 7 years ago, I have never heard of CL finance, what do they mean by insurance has been added?

[Warwick65]

What they are saying is that they are no longer the owner of the debt and you should contact CL finance-

Does that ring a bell?

Have CL finance been in touch at all about this account?

If they have sold the debt and you have been informed, it is CL finance who should have been sent the CCA request

[MACO]

Hi All, Thanks for the advice, I haven't sent them another request, However, Just to add to the confusion Santander sent me this today. This account does not seem to relate to the one I have asked for, as the account numbers are different? the only other account I have ever had with them as far as I can remember is an old Alliance and Leicester, which was deemed unenforceable about 7 years ago. Are they now saying I have PPI on this account? if so would it be worth me looking into this further or let sleeping dogs lie?

[cymruambyth]

As Roger has stated they are in default of your CCA request and therefore cannot legally enforce. As long as you sent the correct request and keep a record of date sent, received and cheque number you are covered. There is no need to remind them.

[Roger]

Hi Nightwatch,, No the cheque was not cashed but also was not returned. Im sending another request and see what happens.

The CCA request letter COVERS All accounts. Doesn't matter what they do with the £1 (as long as you have a record of this SIC Cheque Number and date!) Record of delivery and their receiving (They have written acknowledgment of receipt). In Law they are in Default of your CCA Request and will remain so until they respond.
My advice is not to send another request on the contrary its time for SILENCE!

[MACO]

Hi Nightwatch,, No the cheque was not cashed but also was not returned. Im sending another request and see what happens.

[nightwatch]

well what can we say, they don't have a record of your Credit Card,
they have replied as if you sent a data request, so they should of sent all data pertaining to the given information, either a CC or mortgage,
has the payment you sent been cashed?
if so another boob there as, if treated as a Data request, it is now free, so should of been returned,
i would wait and see what is sent next

[MACO]

Hi, Just to add, I have just checked my mortgage statement and The reference numbers I used on my cca request, have no connection to my mortgage statement whatsoever.

[MACO]

Hi Nightwatch, Thanks for the reply, Yes it was a cca request, I put the card number and customer reference number, I think i'll send it again with just the card number so there can be no mistakes, as the customer reference may have picked up my mortgage.

[nightwatch]

It was a CCA request you sent with the £1 fee and not a GDPR/sar request?

If it was the CCA request you sent did you put the Card account number in as a ref