Hi everyone, I just wanted to post up this thread/post for some advice/support/thoughts on how to handle Santander. Who, from what I have read in various places are generally pretty awkward, evasive and fairly resistant to playing fairly. So, I have a SAR template, ready, filled out with my details, got my tenner plus a few quid for the PO and postage ready and I had a couple of thoughts, that I wanted to get some guidance from more skilled and experienced crusaders than myself. So my confusion, or more like unknowingness; I had a current account when the bank was Abbey National, and the account was only Santander in the last few of my banking years with them. In addition to this, I had a joint account with my missus, again which was Abbey National, which we both put funds into for various household things like bills and other similar stuff, like mortgage payments etc. Then, we also had our mortgage with Abbey, which I believe had PPI, and sometimes around 2004/5 I tried to make a claim but they refused to acknowledge it even existed because I had lost all of the paper work. I also had a credit card with them, again, originally in the days of Abbey National and again, I am sure PPI was on the card. Finally, a couple of years we entered a DMP with Step Change (Actually it was CCCS and changed to SC about a month later) and the overdrafts and outstanding balances on the current accounts and credit card were taken into the DMP and we pay an agreed amount through Step Change to Santander plus a couple of other debts we owed, the mortgage was paid off, so nothing to worry about there, apart from the possible PPI thing. Finally, and probably most worrying, I have very little information on record for any of this period as it was all paper based and I lost a lot of stuff due to flooding and storm damage, so it is ‘Gone with the Wind’ and water, and I have read a number of times that Santander are very good at being rather evasive, and telling people they don’t hold records that far back, and there is nothing they can do, so this is a little disconcerting to me. However, I have also read (here and other places) that in fact all banks use the Archiving System and have records dating back from 50-90 years in some cases and they could access the information fairly easily if they had the will to do so and thus are just seen by many folks to be obstructive and evasive. So, my questions, confusing thoughts are: Re current accounts, are we required to send in a SAR for both of these accounts separately? One from each of us? Or do I just send in one SAR from and signed by the both of us and this will cover both accounts I/we had with AN/Santander? After all I am asking for information about/connected to the persons specifically as opposed to a particular account? So I initially assumed a joint SAR would cover the request but then just figured I better check with some folks in the know. Again with regards to the mortgage account, do I need to address this separately or should they provide any information connected to ourselves/mortgage with the one joint SAR/Individual SARs? Same with the CC, do I need to SAR a different section/branch of Santander to obtain any information relating to the CC or should it just be included in the joint/individual SARs? Is there anything I need to be aware of being in DMP and looking at these dealings with a mind to trying to get something back? I am looking to initially see if there are any spurious charges, PPI and similar insurances on the current, credit card and mortgage accounts and anything else I think looks unfair. Can they start messing with the DMP arrangement or anything like is what I mean, after all I figure, if they think I am making life awkward for them, they could return the favour and pull their agreement to allow the debt to run through the DPM. I believe the CC debt is now owned by Pra Group Uk, though still goes through the DMP via Step Change. I would be most grateful for any thoughts and advice on which way folks would feel the best way to start my daliance and dance with beast that is Santander. Thanks in advance to all and I very much look forward to some insights. mrbrooks