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  • MACO
    started a topic Santander admin westcot cc

    Santander admin westcot cc

    Hi All, Im not sure if im in the right place but here goes. I have a Santander cc that I defaulted around 7 years ago. I set up an arranged payment with Santander for £20 a month and have been paying ever since and never missed a payment, the debt is around 6k. this debt has now droped of my credit history, so my credit is very good. I received a letter from Santander a few weeks ago saying my payments will stay in place and my account will now be managed by westcot credit services. Westcot have now contacted me asking me to contact them asap so they can deal with this account and that further collection activity will commence in the event of me not contacting them. do I contact them? or ignor it? I am still paying my £20, Many Thanks MACO

  • Warwick65
    replied
    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 canít show the original

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

    Leave a comment:


  • nightwatch
    replied
    Originally posted by MACO View Post
    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

    Leave a comment:


  • MACO
    replied
    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.



    Leave a comment:


  • Warwick65
    replied
    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

    Leave a comment:


  • MACO
    replied
    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?

    Leave a comment:


  • Warwick65
    replied
    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

    Leave a comment:


  • MACO
    replied
    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?
    Attached Files

    Leave a comment:


  • cymruambyth
    replied
    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.

    Leave a comment:


  • Roger
    replied
    Originally posted by MACO View Post
    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!

    Leave a comment:


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

    Leave a comment:


  • nightwatch
    replied
    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

    Leave a comment:


  • MACO
    replied
    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.

    Leave a comment:


  • MACO
    replied
    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.

    Leave a comment:


  • nightwatch
    replied
    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
    ​​​

    Leave a comment:

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