Cloak
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Cabot returned Northern Rock loan CCA full copy
Cloak replied to Cloak's topic in Debt Collection Agencies
Thanks again. @renegadeimp mentioned making a Subject Access Request to the OC...Is that Original Claimant of the debt?....NRAM? What should we be looking for in the SAR to disprove the validity of Cabot's claim to the debt? @dx100uk you mentioned the adjustments made on the account by NRAM, including the write off. Can you advise what bearing this has on this case...Written off debt can't be collected on? It would be great to know how others have dealt with this type of situation. Thanks. -
Cabot returned Northern Rock loan CCA full copy
Cloak replied to Cloak's topic in Debt Collection Agencies
The 2013 payments are on the final page (10) of the PDF. Thanks all for the help. What should we do next? Thanks. -
Cabot returned Northern Rock loan CCA full copy
Cloak replied to Cloak's topic in Debt Collection Agencies
Here's the complete response CCA Cabot Response (1).pdf -
Cabot returned Northern Rock loan CCA full copy
Cloak replied to Cloak's topic in Debt Collection Agencies
The black boxes I have used to cover personal details but these details are indeed on the form including what she is sure is the correct signature. The gap may be explained because we had moved without updating address with any DCA in view of the fact her condition remained the same without affordability to maintain even token payments. Unfortunately, address details were updated on her credit file after giving her bank our new address after an account freeze because of returned mail. -
Cabot returned Northern Rock loan CCA full copy
Cloak replied to Cloak's topic in Debt Collection Agencies
Thanks for the responses guys. Yes the debt was written off, then seems to have been bought at a later date This is exactly what is written on the supplied statement of account. 2009-11-26 - WOAB - Bad Debt Write Off £24674.20 Then 2013-10-15 - ITRX - Sold Off debt bal adjust £1369.89 We don't actually know by whom that was sold off by, and how Cabot obtained the debt. They are looking to make at leasy a £23,000 profit on a debt they bought for a marginal amount. Totally disgusting behaviour. Also, the CCA request sent 14th December 2018 was the standard -
Hi I was wondering if anyone can offer some advice. My partner took out a Northern Rock loan at the end of 2005 for £25,000, with agreed payment of around £37400 over 120 months. As an aside it just shows how badly NR were engaged in unethical lending as she was only on £11k a year at the time. She made 39 of those payments totalling just under £12200, and additionally she made around £470 in over payments to a grand total of £12670. After being diagnosed with a long term illness, she lost her job and then found it difficult to repay the loan. She organised token pa
