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Charging Order


macjacbec
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Have read lots but never posted my own situations. Well, here goes, this is just the start.

Had overdraft facility and premier charge card with Nat West. To cut along story short, debt was passed after couple of years to Shoosmiths Solicitors, arrogant people who escalated the original debt from around £15k to a final charging order at £28k. Heard nothing having informed them that charging order in my name, house joint and little equity. Final charging order was 07th February 2008. Now in Feb 2009 letter to my wife, not part of court proceedings, from Apex for £42k plus ?? 50% increase in 7 months. March 2009 ltr from Cap Quest threatening to sue and issue court proceedings. Ltr from Cap quest again and sols ref going to court. Are they or Nat West aware that this has already been to court, can I be sued twice or are they just confused. Did not know about CCA requests last year but too late as Final Charging Order Etc. Help Please do I reply. Dont think they know about Final charging order, ludicrous !!

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Have read lots but never posted my own situations. Well, here goes, this is just the start.

Had overdraft facility and premier charge card with Nat West. To cut along story short, debt was passed after couple of years to Shoosmiths Solicitors, arrogant people who escalated the original debt from around £15k to a final charging order at £28k. Heard nothing having informed them that charging order in my name, house joint and little equity. Final charging order was 07th February 2008. Now in Feb 2009 letter to my wife, not part of court proceedings, from Apex for £42k plus ?? 50% increase in 7 months. March 2009 ltr from Cap Quest threatening to sue and issue court proceedings. Ltr from Cap quest again and sols ref going to court. Are they or Nat West aware that this has already been to court, can I be sued twice or are they just confused. Did not know about CCA requests last year but too late as Final Charging Order Etc. Help Please do I reply. Dont think they know about Final charging order, ludicrous !!

 

Seems strange how £15k is now £42k.

 

First, you need to make SAR to establish what they've been up to.

 

Are your accounts held at Telford by any chance?

 

Send this.

 

 

DATA PROTECTION ACT 1998 SUBJECT ACCESS REQUEST

 

This Subject Data Access Request is made under sections 7, 8 & 9 of the Data Protection Act 1998, and by virtue of the Data Protection (Subject Access) ( Fees and Miscellaneous Provisions) Regulations 2000 ( S.I..No 191)

 

Please supply us with all data that you hold on us. This includes in particular, but is not limited to, the following:-

 

  • All original signed, executed agreements and any terms and conditions that applied at the time of default and at the time the account was opened.
  • Transcripts of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor.
  • Where there has been any event in our account history over this period which has required manual intervention by any person, we require disclosure of any indication notes which have either caused or resulted in that manual intervention.
  • True copies of any assignment and/or default notice or enforcement notice that you sent us with a copy of proof of postage that you hold.
  • Documents relating to any insurances added to the account, including any title indemnity insurance contract terms and conditions, the date it was added and deleted (if applicable).
  • Details of any collection charges added to the account; specifically, the date it was levied, a detailed financial breakdown of how the charge was calculated, and what the charge covers.
  • Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said charges were levied.
  • A genuine copy of any notice of fair use of our data as required by the Data Protection Act 1998.
  • A list of third parties to whom you have disclosed our personal data including Credit Reference Agencies and, a summary of the nature of the information you have disclosed, the reason for this disclosure.
  • Copies of any statement of account for the agreement from its inception.
  • Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, lease provide a declaration signed by an authorised officer of your company, confirming the dates and methods of destruction of this data, and the reason for the destruction.
  • Full hard copy print outs of our personal and financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage systems/devices/locations.
  • Full copies of transcripts of any correspondence in postal, e-mail or any other format which you have entered into with any individual, organisation or third party which contains my personal or financial, or which pertains to us.
  • Details of any third parties which have an interest in our account.
  • Full details of any securitisations that any of our account(s) have or involved in
  • Any other information that you hold with regards to us and/or our account.
  • A complete list of all transactions or statements relating to all our account and applications made to and with your organisation.

 

Enclosed is the statutory maximum fee for this request of £10.

You have 40 days in which to comply. If there is specific information which you require in order to satisfy yourself as to our identity please let us know by return.

 

However please note that the above address is the one which you have recently used to make any and all communications with us with regards to our private business, which you have hitherto found acceptable.

 

IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISTAION REPONSIBLE FOR DATA PROTECTION COMPLIANCE.

 

Yours sincerely

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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