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Cca request help please
worn_out_mum
Posts: 52 Forumite
I'm hoping somebody could just clarify a couple of things for me before I send off cca requests for my loans and credit cards.
Dh and I have been on a dmp with stepchange for 4 years, our debts are 2 credit cards, one with tesco, the other originally egg, then barclaycard now transferred to pra group. Plus a loan, originally alliance and Leicester, now santander which appears as satisfied on my credit file but isn't, and an overdraft with abbey, now santander
From what I've read overdrafts aren't covered by cca so I'm just concentrating on the loan and credit card
My questions are:
One of the credit cards was taken out before April 2007, does that need a different letter template? Both the loan and other credit card were taken out in 2008.
In regards to the loan, can santander change this back to defaulted on my credit file? I have rung them in the past about it and it hasn't been changed.
With the overdraft, is there anything I can do about the charges they put on the account even though we told them we were in financial difficulty? I tried to reclaim them a few years ago but got a letter from them saying i couldn't reclaim, I probably should have pushed further then but we had so many personal problems at the time I just dropped it.
Thank you in anticipation
Dh and I have been on a dmp with stepchange for 4 years, our debts are 2 credit cards, one with tesco, the other originally egg, then barclaycard now transferred to pra group. Plus a loan, originally alliance and Leicester, now santander which appears as satisfied on my credit file but isn't, and an overdraft with abbey, now santander
From what I've read overdrafts aren't covered by cca so I'm just concentrating on the loan and credit card
My questions are:
One of the credit cards was taken out before April 2007, does that need a different letter template? Both the loan and other credit card were taken out in 2008.
In regards to the loan, can santander change this back to defaulted on my credit file? I have rung them in the past about it and it hasn't been changed.
With the overdraft, is there anything I can do about the charges they put on the account even though we told them we were in financial difficulty? I tried to reclaim them a few years ago but got a letter from them saying i couldn't reclaim, I probably should have pushed further then but we had so many personal problems at the time I just dropped it.
Thank you in anticipation
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Comments
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Hi,
Which template letter are you using ?
You should use this one anyway :
https://www.nationaldebtline.org/EW/factsheets/Pages/gettinginformationfromyourcreditors/Page-04.aspx
The reason your loan says satisfied is probebly because the account has been sold to a debt collector, that is the most common reason for this.
As for the charges, you should make a written complaint to the bank concerned stressing your financial situation was not good at the time the charges were incurred.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Thank you for replying Sourcrates, yes, that's the template letter that I intend to use.
As far as I'm aware, the loan hasn't been sold on, I'm still making payments to them through Step Change and received my bi annual statement from Santander this week.0 -
worn_out_mum wrote: »Thank you for replying Sourcrates, yes, that's the template letter that I intend to use.
As far as I'm aware, the loan hasn't been sold on, I'm still making payments to them through Step Change and received my bi annual statement from Santander this week.
If it says settled, and you know it's not, then that is the usual reason why.
Could be that no ones told you as yet, it wouldn't show that status for any other reason.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
worn_out_mum wrote: »With the overdraft, is there anything I can do about the charges they put on the account even though we told them we were in financial difficulty? I tried to reclaim them a few years ago but got a letter from them saying i couldn't reclaim, I probably should have pushed further then but we had so many personal problems at the time I just dropped it.
Thank you in anticipation
You can still reclaim bank charges
http://www.moneysavingexpert.com/reclaim/bank-charges0 -
Thank you both for replying, I'll have a look into the bank charges too
The loan has been marked as settled since July 2010, before we started the dmp in 2012. Maybe it's just a mistake on the file then...0 -
worn_out_mum wrote: »Thank you both for replying, I'll have a look into the bank charges too
The loan has been marked as settled since July 2010, before we started the dmp in 2012. Maybe it's just a mistake on the file then...
Should drop off in July this year
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