Drydensfairfax chasing santander Card Debt

[beepy01]

Just received a letter from Drydensfairfax Solicitors stating they are acting for Santander credit cards to recover an outstanding credit card debt.  Does this mean they are going to take me to court as they are solicitors?

[fkofilee]

Yep! They will take your house, your car, your personal belongings etc.

 

Did that scare you? If so dont worry - They may do so - If they are planning to youll get fair warning with a Pre Action Protocol Letter hitting your doorstep. 

GIve us more info on amounts etc

[dx100uk]

wont be Santander 

who is their stated client please

 

[beepy01]

They say their client is Santander and they’re acting on their behalf to collect outstanding debt of £2987. 

[dx100uk]

really.

ok is this on your credit file.

defaulted date?

last payment

when taken out etc

tell us the history of the debt please

 

safe to ignore them BTW

if their client IS santander and not a DCA

original creditors dont do court

dx 

[beepy01]

Hi dx

i have written on here for advice before, you were very helpful but I just buried my head in the sand.

 

I’m at work so don’t have exact dates but default would have been mid last year.  

Last payment April 2017.

 

No it’s not on my credit file but nothing bad is on my credit file,

nothing bad at all and I have had 8 default notices and Barclaycard write off nearly 12k because they said they’d not treated me properly and gave me £75!!

 

i think Santander and mbna are the only few who have not sold on. I’m just lost with it all. 

 

I considered going bankrupt but don’t have the fees!

[dx100uk]

yes I wondered if you'd gone head in sand again

you don't need to go BK for consumer credit debt.

 

check all your old addresses are on your credit file too.

 

dx

 

[beepy01]

Hi dx

 

I have checked my credit file and it is all up to date  with current addresses etc.  There is nothing bad on it at all.  I have removed my head from the sand and want to try and deal with my mess.  Will you help me?  I will have to do one debt at a time though as I just get bogged down and then hide!

[beepy01]

Hi 

I have sent a CCA request to Lowells for a debt they bought from Creation  (Asda Credit card) and they have written back saying they have been in touch with Creation to ask them for the documentation - so they bought the debt without the paperwork?  What do I do now?

[dx100uk]

nothing

get reading up!

 

all debts are sold with no paperwork

just a line in a spreadsheet portfolio with you details for the auto pc to send threats too.

 

dx