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  1. Still giving them the token payment. Was waiting to hear back from NR before doing anything else.
  2. I sent NRAM the URL and they replied saying I have no grounds to claim irresponsible lending!
  3. Does it make any difference that the loan was taken out before the fca brought about rules regarding irresponsible lending / affordability checks?
  4. 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?
  5. I received the SAR back today, please find attached. sar_return.pdf
  6. Thanks, I will get that in the post and let you know what I get back.
  7. 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?
  8. Could Halifax take it to court and get a CCJ? How will getting a SAR help?
  9. It's just that I have rebuilt my credit rating and don't want to drop back to zero again.
  10. 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.
  11. 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.
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