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    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
    • @dx100ukI never got a response to my SAR from Octopus.   But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."   I'm reading the threads now. Any advice on how to proceed? 
    • I would say let them do their worst, it will surely backfire on them. Now with restrictive contracts that stop you working fro competitors- these are notoriously vague so often not worth the paper they are written on. also they have to be fair so for example if there are only 2 companies in the UK that make a certain product your employer cant say you arent allowed to work for the other one. If you were for example trained as a hairdersser and you were going to open a salon in the next street to your ex employer then the restriction would apply if worded correctly. Dont panic about this, your new employer will be au fait with the situation and time spent worrying about a nastly letter will in their eyes take you eye off the ball so concentrate on the new job.
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Jackman1

UKAR Chasing Unsecured NRock Loan - Advice needed

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Hey- myself and now ex partner took out an unsecured loan back in 2006 for £20k on top of a mortgage we had at the sametime

- all ok

 

- fast forward 1 year he then takes out a secured loan in our names, forged my signature (this is not why I am writing but just trying to give you some background)

he told me he would kill himself if I reported him

- we split up

 

only after 2 years did I then contact bank and said I didn't sign or agree to this

- they wouldn't back down,

police wouldn't pursue

 

the property was sold and the proceeds were swallowed up for his secured loan

 

I stopped paying the unsecured loan in April 2013 (when we split up we walked away and paid nothing)

I rented out property and we sold this end of 2013

there is nothing on my credit file for this unsecured loan that is now £16k

 

-I was able to obtain a mortgage in 2016 no problems

I am now getting letters from a company working for the bank wanting payment of the £16k

 

- I had some correspondence with them back in 2016 and then it stopped

 

- my question is

do I have to pay this?

why hasn't this been on my credit files??

I hope I have explained properly

 

I know it will be 6 years of non payment in April but as I had correspondence in 2016 would this be statute barred

Edited by dx100uk
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no it wont reset the SB clock

 

name names please

who was the loan with

who is chasing now

who is their stated client..

 

dx


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Its was with Northern Rock - correspondence now is with UK Asset Resolution.

 

I have just seen that I did have correspondence regarding this back in 2016 with NRAM

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Please can you just be a little more specific about the timeframe here. You say that your ex took out an unsecured loan after having forged your signature. This was a loan against a joint account/loan or simply in your name?

 

You then suggest that you were coerced into keeping quiet about the matter until two years later – are we talking about 2009?

 

You say that you entered into some correspondence regarding this loan in 2016. Can you tell us about the correspondence.

 

The last payment you made towards this unsecured loan was in 2013. Can you tell us when.

 

Which company is it that is contacting you now?


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sorry no

we both took out a Together Mortgage which was a mortgage and an unsecured loan in 2006

 

In 2007 he took out the fraudulent secured loan in both of our names.

I was pressured to keep quiet as he was going to pay back the secured loan (never happened)

in 2009 I report it and open a long drawn out case with NRAM

 

The correspondence in 2016 was from solicitors acting on behalf of NRAM (at the time I was getting a mortgage so I did respond to them to avoid any hitches on my new mortgage) and I need to dig out the letters but i did ask them to provide all information they had on the account

- they wanted an income and exp report which i never provided and i didn't agree to any payment plan

- and then the letters just fizzled out

 

Last payment was 2 April 2013

 

Company contacting me is UK Asset Resolution

Edited by dx100uk
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Sorry, I got confused.

 

I now understand that there is no further issue with the fraudulently obtained loan because that has been settled.

 

What has not been settled is the unsecured loan which you took out in 2006. Is that correct?

 

You kept on paying against the unsecured loan until 2013 and then you stopped. When was that?

 

There has been no further correspondence about this other than in 2016. In that correspondence did you acknowledge the debt?

 

You are now receiving correspondence from some other company about the unsecured loan - UK Asset Resolution-


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i stopped paying in April 2013 - when you say acknowledge the debt what do you mean? state to the yes i agree this debt is owed by myself?

I did say that in 2015 i took my ex to court and he put in his Record of Examination he added that he pays NRAM £50 per mth ( i believe my ex lied on this Record of Examination form as no such monies had been paid)

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By acknowledging the debt I mean whether you have at any time said to anybody representing NRAM that you were still indebted to them. Any payment or acknowledgement of the debt can reset the clock on the six year limitation period. I suppose that this could also refer to an admission in court.

 

I'm not too sure of my ground here that it wouldn't surprise me that as this is a joint account in which you are jointly and severally liable, then an acknowledgement by your ex-partner could also be taken to be an acknowledgement on your behalf.


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don't worry too much about this,

 

I think you are about the 3rd/4th person to come here about the old unsecured loans that those companies gave to make a mortgage to 100% or 110% with no deposits.

 

i'll find the other threads later, but its seems to be just a mass phishing exercise to get a few mugs to pay them free money before they either go statute barred

if not statute barred already.

 

one I think progressed a wee bit further whereby UKAR claimed that as it was 'to do with securing a mortgage' that SB was 12yrs on it...tough luck trying to pull that one UKAR!!

 

pers i'd not respond, its just a phishing letter...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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thread title updated


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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It certainly seems like they are sending out lots of letters of old customers and seeing what they can get - it is very unsettling though - I will not respond and wait and see what happens next - thank you for you help/advise

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I have just seen a letter dates Feb 2014 where I offer £8k full and final settlement - to which they refused - so that mean I have acknowledged the debt in the past 6 years

 

:sad:

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signed it?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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well not long to go pers I'd let this run.

I've never seen a court case here whereby any such letter has been produced to counter an SB defence claim.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Received another nice letter from NRAM, stating I have three options.

 

1. Arrange a payment plan.

2. Lump sum for Full and final settlement (anybody got an idea of what sort of percentage they are after).

3. Regular or irregular payments, even if the amount is nominal.

 

I have looked through the forum and seen this is common practice and if they follow the same procedure I will then receive another letter stating that they havnt heard from me and may sent to a DCA

what would you advise? hold out and see what happens

If you do full and final settlement what % is usually agreed?

Thank you for your time

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No let it run


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I received a call from NRAM on my work phone

- they would have had that number on file

- the person asked for me but I hung up

- I panicked

 

I thought that NRAM would just pass my case onto a collection agency?

 

I know you cant see into the future but what I your gut instinct on this case?

 

Has anyone else had this?

 

Thanks

Edited by dx100uk
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let it run

they seem desperate to get you to start paying before SB hits

they shouldn't be ringing known works numbers.

 

if you want to take them to course then clearly state on the phone that they are not to use this number again, ask for the operators name and number.

 

you don't have to ID yourself - just that you are the controller or boss or WHY of the line / company and such calls you do not allow

 

tell them to if they call again a serious complaint to the FCA / ICO will result.

and that the calls are all recorded for evidence


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Received the attached - do you think they are just fishing?? its all "we may" and "we can" but not actually saying anything?

 

surely if they had 100% proof of this debt they would just enforce?

 

Any advise is greatly appreciated

BSPINFG0311_ESLNCPMFD21_1523_001.pdf

UKAR.pdf

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it will be SB in a year so you have to make a decision on what to do in the meanwhile.

Ignoring it completely will buy a certain amount of time as will entering into pointless communications with them as long as you never admit that by doing so you accept that you are liable for the debt.

 

Another problem is not knowing what your ex has said and done in the interim.

 

Forging your sig unfortunately only creates a cause for action against him by you as you have accpeted and benefitted from this in the meanwhile (it may not seem like it but that is that).

 

I think it will be another month before they write again so ignore this and start digging up what you have as far as paperwork, esp on any PPI or charges they appplied to the account.

 

They are chasing you as they know you have assest so what about your ex?

where is he at the moment as they can chase you jointly or separately on this.

 

as he has a dodgy past it is unlikely he will volunteer to pay the lot off but knowing if they are reaching out to both of you would be helpful for you

Edited by dx100uk
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take legal action to get it deducted from your salary?

what without a CCJ?

twaddle there im afraid as is all the letter.

 

govt owned says at the bottom too!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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