Default Help & DPA1988 Breach

hack_is_fun

Hi All

Looking some help on something thats been ongoing for a few years now, partly because ive been lazy and/or had time constraints. Below is a quick overview of the situation.


Late 2011 - Store card - Finance by Santander
Early 2012 - Disputed terms & Conditions and requested a copy of the signed credit agreement. Got a letter reply stating they didnt receive the origional from the originating store (Still have the copy)
Mid 2014 - Decided to try get credit file tidied up. Resent Similar letter to that of 2012 along with the statoury fee of £1. Received a letter back stating they no onger hold the account and it was sold on.
Mid 2014 - send the same letter to the DCA again along with the £1 fee and received a reply and return of the cheque stating they will assist me in obtaining the signed agreement as they wearnt the origionater



Santander had the default on my file but since they sold the debt on that now shows settled with them. However the default is now registered with the DCA in question.


What i would be looking is some templates and/or advise on how to force the DCA to remove the Defaul with immediate effect.

Also

A letter template on how to approach santander for compensation for breach of DPA1988 for sell on my personal information when they were clearly aware of the fact they didnt have a signed agreement. Would also like advise on what sort of figures of compensation to ask for

Thanks

rizla_king

An agreement was signed, as you say above you have a copy. Also you would have been given t&Cs at the time explaining that a default coul be registered. There has been no breach of DP here so no grounds for the default being removed or compensation.

hack_is_fun

rizla_king wrote: »

An agreement was signed, as you say above you have a copy. Also you would have been given t&Cs at the time explaining that a default coul be registered. There has been no breach of DP here so no grounds for the default being removed or compensation.

there is NO signed agreement. when i say i have a copy i mean copy of the letter stating santander confirming there is no signed agreement

CKhalvashi

hack_is_fun wrote: »

there is NO signed agreement. when i say i have a copy i mean copy of the letter stating santander confirming there is no signed agreement

Post-2008, a signed agreement is not necessary any longer.

thebritishbloke

You borrowed money you couldn't afford to spend, you have to pay it back either way. Stop trying to find a way out of paying it, because there isn't one.