I will start with possibly the easiest question first
- I got a letter from drydensfairfax regarding an unsecured loan I still owe money on, this goes back to 2008, I think.
I have paid half of the original loan.
Former partner is on the loan too.
I was paying it back to avoid trouble, as you do.
I then had two companies chasing me at the same time, Moorcroft and someone else.
Naïve, I rang Santander who said they would clarify.
Then ex put the loan into dispute, for his half, so naturally, I wasn't able to pay.
The dispute was settled not in his favour and I waited for instructions, from Santander on who to pay.
So, the letter has arrived, telling me "not to underestimate the seriousness of this matter" and to contact them by 16th to discuss repayment.
The letter states that they are acting on behalf of their client, Santander.
I realise the dates are missing on this, as an initial query,
my first question is who owns the debt, the letter seems to imply that Santander does, and they are just collecting for them?
Can you please help me get mental clarity?
thank you xxx