Wexfordman
Registered User
- Messages
- 415
Hi,
A few years ago, I took out a store card with debenhams to avail of one of these 15% discount offers on a purchase. Normally, I never use store cards, and I took it out just to get the discount. Anyway there was a small amount on the card, about 200 euro, and I stupidly let it pay by DD.
Anyway, my recollection is a it hazy, but there was some issue with the dd not being paid (not due to funds, but I think I mistakenly deleted it online,), and several attempts were made to set it up again, between myself and santander, and it always seemed to go wrong, so we made a number of payments by cheque. I recall getting a call from them, and said that I wnted to clear the amount, so would pay 50 euro pm, and gave them my card details over the phone, and they said that they would debit the payments monthly to clear it. I ws happy, and said work awy.
Today, I received a letter from Cabot Financial with a demand for 114.09. They are a debt management company and my "debt" has been passed to them.
I was furious, I never received any letter or phone calls from santander saying there was an issue, and tbh,, I thought the entire thing had been paid off by now. I never got so much as a letter or phone call saying that there was an issue which they considered worthy of passing the debt on to a debt management company.
I rang cabot, and asked them to get santader to ring me as I wanted an explanation. They said they could not do that, and they needed a payment. I said I had no issue with paying, but was furious that this had been passed to them, my dealings were iwth santander, and I was unaware of any problems.
Cabot said that they could not comunicate this back to santander, and they had to receive payment or else they would be forced to follow a process.
I said, I had no problem paying the debt, and if santandar contacted me, I would do so, after giving them an earfull and finding out why this had happened.
He said he would hold off for a week before proceeding any further!
I sat down afterwards and had a think and this sounds crazy. I just receive a letter from a debt manaement company saying I owe money, an they expect me to pay it without quibble. I have no idea if the amont is correct, or what it is made up or, if they hae applied any fees etc.
I wrote an email to cabot outining this, and requested them to get santander to contact me with details of payments etc, and to outline what communication had occurred before this was passed to a debt manatement company.
Sorry for whine, but does this sound like a reasonable approach, and am I handling this correctly ? Im really annoyed, but also confused, but I dont want my credit rating affected.
Appreciate the advice.
THanks,
wexfordman
I do get the impression that cabot would rather I send them the amount (made out to debenhams), as they may get some fee for the payment being sent to them!
A few years ago, I took out a store card with debenhams to avail of one of these 15% discount offers on a purchase. Normally, I never use store cards, and I took it out just to get the discount. Anyway there was a small amount on the card, about 200 euro, and I stupidly let it pay by DD.
Anyway, my recollection is a it hazy, but there was some issue with the dd not being paid (not due to funds, but I think I mistakenly deleted it online,), and several attempts were made to set it up again, between myself and santander, and it always seemed to go wrong, so we made a number of payments by cheque. I recall getting a call from them, and said that I wnted to clear the amount, so would pay 50 euro pm, and gave them my card details over the phone, and they said that they would debit the payments monthly to clear it. I ws happy, and said work awy.
Today, I received a letter from Cabot Financial with a demand for 114.09. They are a debt management company and my "debt" has been passed to them.
I was furious, I never received any letter or phone calls from santander saying there was an issue, and tbh,, I thought the entire thing had been paid off by now. I never got so much as a letter or phone call saying that there was an issue which they considered worthy of passing the debt on to a debt management company.
I rang cabot, and asked them to get santader to ring me as I wanted an explanation. They said they could not do that, and they needed a payment. I said I had no issue with paying, but was furious that this had been passed to them, my dealings were iwth santander, and I was unaware of any problems.
Cabot said that they could not comunicate this back to santander, and they had to receive payment or else they would be forced to follow a process.
I said, I had no problem paying the debt, and if santandar contacted me, I would do so, after giving them an earfull and finding out why this had happened.
He said he would hold off for a week before proceeding any further!
I sat down afterwards and had a think and this sounds crazy. I just receive a letter from a debt manaement company saying I owe money, an they expect me to pay it without quibble. I have no idea if the amont is correct, or what it is made up or, if they hae applied any fees etc.
I wrote an email to cabot outining this, and requested them to get santander to contact me with details of payments etc, and to outline what communication had occurred before this was passed to a debt manatement company.
Sorry for whine, but does this sound like a reasonable approach, and am I handling this correctly ? Im really annoyed, but also confused, but I dont want my credit rating affected.
Appreciate the advice.
THanks,
wexfordman
I do get the impression that cabot would rather I send them the amount (made out to debenhams), as they may get some fee for the payment being sent to them!