MSE News: Thousands of Santander mortgage holders could get payouts after blunder

almond

fishing_mad wrote: »

Thank you very much for taking the time to respond. Are the T and Cs you mention specific to Feb 2006 or do they apply to the entirety of 2006?Specifically I am wondering if point 10 ('Interest and the variable rate') in 2004 T and Cs is the same in the 2006 booklet?

i have scanned doc but its on works computer if anybody wants it pm me and i will send a copy tomorrow

fishing_mad

Hi Almond, I have tried to send a pm to you but I am not sure whether my attempt was successful!

fishing_mad

Yes indeed, many thanks to mac24 (post 60)

mac24

Just a quick word about the 'notice' they have to give.In my t&c's it says that if any change is made to the SVR then 'notice' can be given by publishing/advertising the change in 3 national newspapers and/or by displaying it in their branches at the time.
Proving that they didn't do that may be tricky!
Not sure if this type of 'notice' applies to a change in the cap rate though?

TheMightySwordfish

The papers would be "easy", branches could be a problem. Is it for them to prove they did? Or us to prove they didn't?

*Edit*
That is a change to svr, but what about the cap margin? Different thing.

almond

I have sent copies of my t&c and its not a error on my part but pages 11-18 are missing , has anybody else noticed that on they terms

almond

Two_steps_forward... wrote: »

Yes, Swordy forwarded them to me this morning. The reason is that the centre six pages of your booklet have become unstapled and they have wandered off somewhere. That means the whole centre section is missing.

TheMightySwordfish has a PDF of ours which I scanned and it is complete. PM me with your email if you want a copy, or Swordy.

no my centre pages are 26/27 , i have only looked at it twice once a few weeks ago and yesterday when i scanned it.
i am wondering why i have been sent a t&c that part is missing

TheMightySwordfish

Is the corresponding pages in the other half missing. I can't look as on my way to work.

almond

Two_steps_forward... wrote: »

That really is odd! Mine finish at page 26. Is your booklet still intact? It does seem odd that your opposing pages are at the end of the booklet as they are stapled through the centre pages?

only read it twice
my front page say smc 2006(edition) printed feb 2006
51 pages but
3 contents
4 5 part 1 definitons
6 7 3.6 cap
8 9 3.25 mortgage deb
10 19 when we change the variable rate

11-18 missing
20 21 (a) work out the difference
22 23 17 additional security
24 25 (b) if you are joint

26-27 middle general obligations
then reads
28 29 our consent
30 31 (e) if somebody appoints a receiver
32 33 (d) grant a lease
34 27 any excess
28 29 same details
30 31
32 33
34 43 other side is 10 19 any excess specified
44 45 any other information
46 47 if we take possession
48 49 (d) in reducing or paying off the mortgage
50 51 general provision about ins
does this make sense ? I have typed what starts off each page

fishing_mad

Another post 'bites the dust'!