Santander letter

britt09

I'm trying to clear my debts off with stepchange and have been paying them back every month. I got a letter from santander in regards to my credit card saying I need to pay 129.19 back NOW otherwise I'm going to get further action taken. If I can't pay I can apply to the courts to get more time.

I thought step change were meant to help me and stop these kinds of letters?

I don't know what to do, I don't want to have to borrow money from my dad to pay it off but it might be my only option at the minute.

sourcrates

Hi,

Absolutely nothing to worry about.
Most likely a standard computer generated collections letter, sent out automatically.
It won’t take your stepchange DMP into account at all, you don’t need to do anything, carry on as you are.

You will get a few letters such as this, the creditor must send them to comply with the consumer credit act, they are, as I said, sent automatically, and don’t take into account any payment arrangement you may have in place.

You can safely ignore them and certainly don’t break the terms of your DMP.

sourcrates

britt09 wrote: »

If I can't pay I can apply to the courts to get more time.

Just noticed this, sounds strange to me, has this account been to court already and do you have a CCJ ?

This is not typical wording, it implies you have a county court judgement already, can you explain further ?

britt09

I don't have CCJ that I know about anyway I haven't had any letters regarding a CCJ. The letter states "if you pay the overdue amount before the date shown no further enforcement action will be taken in respect of the breach. If you don't pay the overdue amount then we may take further action as detailed below. If you fail to make the payment well demand you repay the total balance immediately. We also may take legal action against you or refer your account to debt recovery agents.

IF YOU HAVE DIFFICULTY PAYING ANY SUM OWING UNDER THE AGREEMENT OR TAKING ANY OTHER ACTION REQUIRED BY THIS NOTICE. YOU CAN APPLY TO THE COURT WHICH MAY MAKE AN ORDER ALLOWING YOU MORE TIME.

sourcrates

Ah, ok, that’s fine, as I said it’s nothing to worry about, it’s a bog standard default notice, they are required to send this to you by law.

Ignore it completely, file in the recycling bin.

All it means is the financial relationship between you has ended as your account is now in debt management.

It’s a standard notice that does not take any already agreed payment arrangement into account.

If you’d mentioned the words “default notice” at first I could have put your mind at rest earlier.