Still giving them the token payment. Was waiting to hear back from NR before doing anything else.

-378178109.pdf

I sent NRAM the URL and they replied saying I have no grounds to claim irresponsible lending!

Does it make any difference that the loan was taken out before the fca brought about rules regarding irresponsible lending / affordability checks?

Thanks. So you think I should go back to NRAM? even though they sold the debt to Cabot. Do you have a template for an IRL letter?

I received the SAR back today, please find attached. sar_return.pdf

Thanks, I will get that in the post and let you know what I get back.

My other concern is that one of the ways I have rebuilt my credit the last couple years is with a Halifax credit card. Could sending them a SARs affect that?

Definitely didn't have PPI.

Could Halifax take it to court and get a CCJ? How will getting a SAR help?

But they could take it to court and get a CCJ?

It's just that I have rebuilt my credit rating and don't want to drop back to zero again.

I haven't been able to find the original paperwork for it, but I think I would have open the account around 2006-2008 and probably defaulted around 2009-2010.

£3 a month

The current balance is £2581.30. Not sure exactly what the original amount was when I defaulted. When ever they write they do refer to Halifax as being their client.