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Help with Santander - Debenhams Store Card
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# 1
Old 02-09-2009, 12:34 PM
MoneySaving Newbie
Join Date: Sep 2009
Posts: 1
Default Help with Santander - Debenhams Store Card

I have a old debt with Debenhams store card to the value of 713, I am on Benefits so I am only able to make small payments towards this debt each month.

I wrote to Santander asking for unlawful charges to the amount of 582 plus interestof 89, I received a reply saying that theOFT ruling deemed that 12 was a reasonable charge and they were willing to refund me the amounts that exceded 12 which came to 84.

while this was going on Santander have issued a Court Claim for the original debt, I replied online at money claim explaining the the amount owed was in dispute and that I was unable to pay the full amount due to my fininacial situation.

I have now received an allocation Questionnaire which is due in this week, I don't know what I need to do next, should I tick the box asking for mediation or do I need to do something else.

Please help
SMartin is offline
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# 2
Old 02-09-2009, 1:39 PM
Fantastically Fervent MoneySaving Super Fan
Join Date: Mar 2007
Location: Derbyshire
Posts: 2,089

Hi there

Did you enter a defence ? if so can you paste the wording you used. Did you enter an admission of the difference between the 712 and the charges amount, and have you added interest to the charges ?

You already know the OFT ruling is not that 12 is fair so well done for sticking to your guns. Santander also should not have taken a court claim against you whilst the account is in dispute.

Lets see what you have done so far and we can work out what the next step is. You can use the AQ to ask for directions from the court (ie get Santander to supply information etc)
esmerellda is offline
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