Santander are now refunding interest payments on Cahoot flexible loan's

Cell

Cell wrote: »

Unless there's something when I get home, then no.

I'm not holding my breath, as I quite like living:D.

Just got home. I did get a letter from Santander, but it turned out to be a savings account statement!

That'll be the next thing of course - close that down. Plenty more fish in the sea.

andibabe64

I had a cahoot flexible loan between those years but is paid off in full now, other than my name address DOB do i need anything else to email the CEO???:T

happy_bunny_2

andibabe64 wrote: »

I had a cahoot flexible loan between those years but is paid off in full now, other than my name address DOB do i need anything else to email the CEO???:T

Should be enough to trace your loan. Use one of the letters on this thread

DiscoStoos

Hello all. First time poster...be gentle.

Many many thanks to the OP Harry with this one. I am guessing Santander won't be sending him a Christmas card this year!

I took out a Cahoot Flexi Loan in Oct 2005 It was paid off 3 -4 yrs later (I think). I only have a few emails saved from when they approved the loan and no other information that I can find. I am going to search through some old boxes at my mums at weekend. Thats the trouble with everything being online?!

From reading the posts so far I understand that if I can't find much in the way of information then I can send a SAR to them and they must then supply me with information on the loan. Please can someone confirm this?

Please could someone PM me a copy of the letter they have sent to the ceo at Santander and had a reply from?

Denza

You can (should?) complain to the FSA if Santander have failed to respect the 8 week guideline.

I'm not sure what purpose it will actually serve however I'm sure if enough people do so it will reflect badly on them. I would also expect the FOS to take a dim view on this failure when the review the case.

In light of the recent developments (knockbacks and silence) I suspect many are looking forward to 8 weeks elapsing so that they can get the FOS ball rolling!

Good luck to all.

Cell

My 8 weeks expires today.

I doubt very much whether there will be anything in the post when I get home.

As you say there is no particular sanction in relation to the 8 weeks, but equally it goes against the principles of 'Treating Customers fairly'.

Cell

Just to clarify:

http://www.fsa.gov.uk/doing/regulated/tcf

Outcome 1: Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.
Outcome 2: Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.
Outcome 3: Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale.
Outcome 4: Where consumers receive advice, the advice is suitable and takes account of their circumstances.
Outcome 5: Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect.
Outcome 6: Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint

kenny_straw

My 8 week deadline is today as well....I called them yesterday and they tried to tell me they had 8 weeks from 12th Feb when I last called them instead of from the original complaint. To be honest the woman I was talking to didnt seem to know what she was talking about .....all I could get was er...theres no update..

andibabe64

please can someone pm me a tempalte of the letter. thanks

dreamylittledream

Oh for heavens sake - the bloody template has been posted about 20 times in this thread - just read back a few pages...or and here's a random thought - if you believe you have grounds to complain articulate your own letter - shouldn't be difficult really - just express what you are not happy with.

Sometimes I do wonder if people are willing to put so little research into something then perhaps being missold a product was inevitable.

Anyway so any new final responses yet? Its been quite a while since the last report of an offer. Curious behaviour here from Santander randomly upholding complaints they have rejected for years and now suddenly seeming to decidede to back track again and a very large number of complaints without a response.