IVA with Churchwood/Kingsgate Insolvency. Money Gone Missing?

[dx100uk]

probably nothing at all to do with you last letter

just std stuff they send out

 

 

dx

[silentmovieman]

Here are the NOA letters from NR and Marlin

[silentmovieman]

probably nothing at all to do with you last letter

just std stuff they send out

 

 

dx

 

 

No its definately in response to the letter that I sent last week,

 

 

in my letter I wrote that NR had not provided me with all information held in my wifes name despite the SAR we had made to them.

 

 

The MArlin letter I have received today makes direct reference to this part of the letter by stating

that they (Marlin) have not had a SAR from us (which they havent as I just sent a request for the CCA to them).

 

Their latter also makes reference to my request for the NOA and the statements telling me to go to NR to ask for them.

 

 

THis is why I began to think I had sent the letter to the wrong place before I realised that I hadnt. The full letter is below

[dx100uk]

then NR still need to honour the SAR and give you the statements you need

 

 

why not phone them and ask why they fwded the letter to marlin when they j know marlin will not have had the data

 

 

dx

[silentmovieman]

then NR still need to honour the SAR and give you the statements you need

 

 

why not phone them and ask why they fwded the letter to marlin when they j know marlin will not have had the data

 

 

dx

 

My question is why did NR forward the letter in the first place? They honoured my SAR ams as you say they would know that Marlin don't have the statements so what was the point?

[dx100uk]

give in..not worth worrying about.

 

 

legally NR must hold them

its within 6yrs.

 

 

dx

[theoldrouge]

tell Marlin in writing that the ac is in serious dispute with NR,

 

and demand that they place the ac on hold pending resolution

 

Quote them this from the FCA

 

CONC 7.5.3

01/04/2014

FCA

 

A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid

[silentmovieman]

Do I need to provide Marlin with details as to why I am disputing the account with NR?

[dx100uk]

no

 

 

though I suspect they already know!!

 

 

if they've had your letters

 

 

dx

[silentmovieman]

no

 

 

though I suspect they already know!!

 

 

if they've had your letters

 

 

dx

 

New request submitted to NR so let's see how we get on this time. Assuming worst case scenario they do not send me the information for whatever reason what will be my next course of action?

[silentmovieman]

Im assuming by the way that there was nothing untoward in either noa?

[silentmovieman]

Still waiting on the statements, in the meantime are any of you able to help with another problem.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?440259-Housing-Benefit-Cancelled.......Help-Needed-Urgently

 

Sorry if posting a link here is not the done thing but it's a rather urgent issue.

[silentmovieman]

OK so we got the reply back from NR today and it was about has helpful as a punch in the face.

 

Heres what they had to say -

 

We have received an urgent reminder/failure to comply from you regarding the subject access. However I can confirm that all documents held by NRAM were provided as part of your original request which was sent out on the 17th December 2014.

 

If you would like to discuss this further....etc etc

 

So they are saying that they have no statements relating to this account which leaves me right back at square one I guess.

[dx100uk]

ring them on the number on the letter

 

ask them directly the question:

 

WHY do they not hold statements from 29/4/2009 onwards

 

it is a legal requirement that they keep data for 6yrs.

 

 

dx

[silentmovieman]

Is it a case that NR are saying that they have no documentation regarding the periods discussed as the account had defaulted and was then in DMP and then IVA?

[dx100uk]

but there was movement.payments.thru the DMP?

 

 

so they must hold the data under data rules.

it is within 6yrs.

 

 

where are they?

 

 

if there were no payments then not statements would have been produced

 

 

dx

[silentmovieman]

Whats your take on this theoldrouge?

 

Guess its time to try NR again.

[theoldrouge]

Is it a case that NR are saying that they have no documentation regarding the periods discussed as the account had defaulted and was then in DMP and then IVA?

 

from memory in the sar narrative it gives dates of statements and nosia's sent (NRs sar)

[silentmovieman]

I decided to go back through the NR stuff to see if i had missed anything and lo and behold i found a list of transactions, don't all me how i over looked it before as i have no idea but is this what you guys were asking for?

[theoldrouge]

Read your SAR pages 10/11 under

 

Statements and Arrears

 

From29/4/2009

[silentmovieman]

I assume you mean the sar from kingsgate as the only thing i can see relating to arrears in the nr documentation is the contractual arrears of £10,950.42

 

Or are you referring to the snsia letters that they should be providing me copies of.

[silentmovieman]

Looking through the event history from NR i see multiple letters that it says theyve sent including Low risk letter, NR default No, Confirm Accep, First installment, CC4650 letter, Rej Mail Dfer, 1st Note Arrears etc

 

Should NR be producing copies of all these letters?

[silentmovieman]

So just having a look at how to get in touch with NRAM in any way other than writing yet another letter to them.

 

I have looked online for an email address but can only find a contact form which I dont think will be much good.

 

The letter I have received from NRAM does have a telephone number but Im not about to waste more money calling an 0844 number and being on hold for god knows how long. THe letter does have an alternative way of getting in touch them and gives a web address of http://www.bbg.co.uk/accessibility but al that offers is a variety of alternative letter methods for the disabled, and is only for Bradford and Bingley or Mortgage Express customers so it is no help whatsoever.

 

Do you guys know of an email address I can use as a back door to getting hold of them or am i going to have to write to them again?

 

I have in the meantime filled in the contact form and requested they provide me with an email address so that I can contact them or I will take the matter up with the FOS.

[theoldrouge]

whatever method of contact you use

 

to confirm, we need copies of ALL correspondence

 

statements, notice of sums in arrears, as listed as sent in you SAR

 

from 24/04/2009 to 7/08 2013 from Northern Rock

 

once you obtain these we can move forward with complaints

[silentmovieman]

Got through to nr who have emailed me back with the following -

 

I can confirm that all information and documents held on our systems have been provided in our previous correspondence, Our records show that this loan transferred to Marlin Capital on 28 October 2013 please contact them at;

 

So what can i do now?