Lump Sum to pay debts whats best way to offer to creditors?

sourcrates

winksharry wrote: »

Have had a reply from Satsuma via email. "we are happy to deal with your request, however we need written confirmation to our head office also enclose a £10 admin fee."

So need to do that then

Hi,


What exactly have you asked them for ?


As it sounds like they are treating this as a subject access request.


If its just a breakdown of the loans you had from them, just ask for a statement of account.
You can make your complaint a generic one, without knowing all the details, just ask for a refund of interest and charges on all accounts I held with you.


No need to pay them a tenner, you are entitled to this information for free.

winksharry

Thanks again Sour

I asked them the same as everyone else (which i got from the excellent site you gave me) will copy below

"
Dear Sirs


Please send me a breakdown of all the loans I have had from you, showing for each loan:
– the date it was taken out
– whether it was topped up or rolled into another loan
– whether any payments were missed or were late
– the date the loan was repaid or the current outstanding balance
– the interest and charges that were added to each loan
– whether you performed a credit check before lending the money initially and on any rollover. "

Thanks again Sour

Have replied asking them to actually read my original email.

sourcrates

winksharry wrote: »

Thanks again Sour

I asked them the same as everyone else (which i got from the excellent site you gave me) will copy below

"
Dear Sirs


Please send me a breakdown of all the loans I have had from you, showing for each loan:
– the date it was taken out
– whether it was topped up or rolled into another loan
– whether any payments were missed or were late
– the date the loan was repaid or the current outstanding balance
– the interest and charges that were added to each loan
– whether you performed a credit check before lending the money initially and on any rollover. "

Thanks again Sour

Right, ok,


Yes that could be construed as a SAR, and the creditor can charge you in that case.


Maybe if you simply send a letter asking for a statement of account, you will get the information that's mostly relevant, for nothing.
But if your happy to pay, that's fine.

winksharry

Thanks Sour

Quickquid replied to that without asking for a fee. If Satsuma keep on that line ill just reply asking for a statement on the account


Thanks

Have updated contact form

winksharry

Just as i close the thread i get a very detailed reply from Lending Stream with a lot of information.

It is very very defensive almost aggressive as if they know i am going to log a complaint next

Not sure i hold much hope but at least a reply and an acknowledgement.

winksharry

Have sent formal complaint via email (adapted) to Lending Stream.

I suppose even if they are not going to wipe the whole thing, the hideous charges could be removed (borrowed 2 amounts of £135 total balance is nearly £750!)

Lending Stream are a particularly horrific company, just going back through my emails the amount of faux threats of home visits from there "home recovery team" was and is disgusting.

Have again updated contact post.

Progress...

winksharry

Not much to report

Satsuma eventually confirm they have sent statement of account by post not received yet

Not a word from barclays as of yet

have a good weekend all

winksharry

Quick update

No word from Barclays as of yet,

Information received via post from satsuma will log next step later today

Wagedayadvance finally reply to email and ask me to send money for a SAR will do same as i did with satsuma.

No further word from the others i have already logged complaints with.

winksharry

Complaint email sent to Satsuma

Further email to WageDayAdvance explained just need statement of account not SAR

winksharry

Just realised it has been 15 working days (sent on the 6th) since i sent Barclays my cca request

Not heard a thing, what is my next step here please?

thanks again in advance