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  1. I'm not sure if anyone will know this but you never know! I heard recently that someone had done a check on me. The key points are I was left some money in a will a few months ago and the check that was done found this out due to my dealing with the solicitor. I thought all dealings with solicitors were confidential so was a bit surprised it appeared to be public avaialable even to the amount of money I had inherited. Other things were details of my parents and things I guess are on the electoral register which I guess are public available. The person who did the search was a barrister. Basically the barristers son likes my girlfriend and I guess was hoping to find something to put her off me. I am basically wondering if there is anything I can do as it seems an abuse of position, if nothing else to be able to invade my privacy like this. Does anyone know what search this is that was done and any rules around this? Thanks.
  2. Hi All My husband has been made redundant and as such I have contacted all of my creditors to inform them that I’m only able to make token payments until we are back on our feet. I intend to start a thread for each of the institutions as they begin to communicate with me, all of the creditors have been provided with details of my earnings and our outgoings. NatWest have sent me a Formal notice of intention to file a default and to take action to recover debt, I also received a Default Notice in the same envelope dated 15th July 2010 which I only received today 20th July 2010, both of these are attached and uploaded as PDF’s. NatWest have stated in the formal notice that “within 28 days of the date of this letter, satisfactory payment or arrangements for payment are to be made with us in response to the attached default notice”. I have also uploaded a copy of the envelope if this is of any use. What I would like to know is if the default notice is correct and if it conforms to the regulations of Section 87(1) of the CCA 1974 as quoted on the notice. Thanks in advance. Edited NatWest Formal Notice of Intention to File a Default Dated 15 July 2010-1.pdf NatWest Envelope Received 20 July 2010.pdf Edited NatWestDefault Notice Dated 15 July 2010.pdf
  3. My father made 4 separate CCA requests for 4 different debts being pursued by Cabot. For each of them he has received the attached response which states that they are unable to provide the info for the moment and will continue to pursue the original lender for the information. They say the account will 'remain on hold' but are 'still obliged to repay the outstanding balance'. We wish to settle this matter and are willing to make a percentage payment to clear the debt. I am tempted to write back a letter as in this post http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/266261-calder-financial-offer-clear-2.html#post3017541 . What does everyone think is the best way to settle these debts without prolonging the matter too much (my father is dealing with 17 creditors at the moment!)? cabot.pdf
  4. I won't go into details, but 10 years ago i was in financial straits and ended up with a ccj for a personal loan. i offered, and the court accepted a payment of £10.00 per month. as i began to get straight i voluntarily increased this to £20.00. hoping to clear it quicker. the loan company( universal credit) was then taken over by paragon finance who continued to accept the £20.00. I have received a letter from them saying it had been passed on to another company. the letter they sent me showed a balance owing of nearly £6,000. as the original ccj was for only £3,000 and i have always paid every month, i can only assume they have been charging me interest, without informing me. Are they within their rights to do this? is there anything i can do about it? by the way, the new company want me to take out a secured loan to pay them off.
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