NRAM contact letter

[supasnooper]

Hi there,

 

Welcome to CAG.

 

You've done the right things so far with your AOS and the CPR request.

 

If you do wish for copies of the agreements and the default notices you may wish to send a Subject Access Request to Northern Rock ( as well as making sure they have your new address). This will cost £10 but will take up to 40 days to be delivered.

 

A good SAR letter is set out below -

 

 

Your Name,

Your Address

Your Postcode

 

 

The Data Controller

Company Name

Company Address

Company Postcode

 

 

Date

 

 

Data Protection Act 1998

 

Subject Access Request s7(1)

 

 

 

Dear Sir/Madam

 

ACCOUNT NUMBER(S): XXXXXXXXXXXXXXX XXXXXXXXXXXXXX

 

Please send me the information which I am entitled to under section 7(1) of the Data Protection Act 1998 in relation to detailed occurrences relating to the above account number.

 

The following is by no means an exhaustive list but in the main this is what I require.

 

Please supply me with a complete list of transactions and charges relating to ALL accounting history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

 

Additionally, all records you hold on me relevant to these accounts, including but not limited to:

 

1. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to the accounts.

 

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company

 

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response

 

4. True copies of any notice of assignment and/or default notice or enforcement notices that you may have sent to me, with a copy of any proof of postage that you hold.

 

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted.

 

6. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

 

7. Specific details of the fees/charges levied by any other agency in respect of these accounts and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

8. A genuine copy of any deed of assignment, or proof that you have a legal right to this money.

 

9. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

 

10. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

11. A copy of all account statements for the duration of the agreement.

 

12. Please would you also advise me of the logic involved in any automated decisions taken by you about me pursuant to section 7(1) (d) of the Data Protection Act 1998.

 

13. A True copy of the original consumer credit agreement section 77-79 of the Consumer Credit Act of 1974.

 

14. If it is contended you do not hold such data before such a date, please confirm this by providing the Certificate of Destruction.

 

15. Any Other information relating to these accounts

 

I enclose the statutory maximum fee of £10 by postal order. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable for the previous XX years.

Furthermore, such a request for specific information to confirm my identity will not deviate or inhibit the 40 days time limit allowed for compliance with my Subject Access Request.

 

 

Please note - If I do not receive all the data I have requested within the timescale specified above,

I shall seek a Court order obliging you to do so, together with damages at the discretion of the Court and without any further notice.

 

 

Finally, I would appreciate your Company's due diligence in this matter and look forward to receiving the documentation requested.

 

 

 

 

 

Yours Faithfully,

 

 

XXXXXXXX

 

 

 

 

 

Amend to suit, do not sign, enclose a £10 postal order and send by at least Recorded Delivery.

 

It may also be worthwhile writing to the debt management company to see if they will supply you with the agreement etc. or copies of them to give you a heads up.

 

You mention your defence is due soon - you may have to submit an embarrassed defence as the claimant has not supplied the neccessary documention on which the claim is based to you.

[supasnooper]

Hi WAA,

 

here's a good guide how to upload the documents (courtesy of fuzzybobble) - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/158645-how-upload-images-scanned.html

 

From what you have written, I am imagining that the loan was taken out in joint names - is this the case ?