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    • So there's no tax payable anyway.... nothing to see here!  
    • are you actually going to benefit out of this at all?   I was slightly getting confused here earlier, and forgot you said you are the claimant because you are suing the defendant for the cost of a hire car that you personally haven't had to pay for ?    
    • I received PCN's from TFL and Southwark. 08/06/19 I spoke with Southwark regarding PCN's and thought it was sorted.   Didn't hear anything back until 17/01/20 when my car was taken by Marston EA. TFL & Marston say they sent letters but have no proof.   I emailed TFL (19th June) through their online portal and again, via email on (14th Nov 2019) < the email on 14th has been viewed 17 times but no reply. (so I have proof of contact, they don't) I asked them if they send via recoded delivery/signed for but they do not.   When my car was taken, I received a call from a friend saying it's on the back of a truck, outside his house (which is round the block from mine). I ran round there and the EA was aggressive, shouted at me and refused to show ID/why he had taken my car.   I complained to Marston who denied it but sent me some of the footage. I complained again through resolver.co.uk and Marston lied again. Then I sent ALL my info and evidence etc.   took a few weeks and called me saying sorry and taking full responsibly for their EA's aggressive behaviour etc. TFL are still refusing to comment.   Marston offered me £250 as a goodwill payment but obviously the pain and trauma causes - that doesn't cover it. The police were called when they took my car cause I was so distressed and having a panic attack etc.   I've requested the phone call recording where they accepted guilt and that they had handled everything badly, including lying about the video on Resovler. I feel like Marston know they've done wrong, but TFL still aren't in the know. (to my knowledge)   Also, I requested info from TFL via whatdotheyknow.com and TFL did a data protection breach by uploading my full details including address etc. to a public forum (and I didn't even ask anything specific about my case) so I feel like they did this out of spite/anger.   the www.whatdotheyknow.com team reprimanded them for this and advised me to complain. I also paid £800+ to retrieve my vehicle and I have completed the OOT which was denied. I tried to take it to court but when I tried to do the 'low income' thing but they wanted bank statements which I couldn't get... then corona happened.   I've downloaded/uploaded the ZIP file from Resolver convos.   Regarding the footage: my initial message to them, I made myself seem unaware and 'stupid'   they wrote a generic reply telling me that 'the footage is fine and the EA did nothing wrong' they can't uphold my complaint,   then once they sent that; I sent them the CIVEA rulebook and timestamps in the video to show that they were in the wrong and had further lied in their official response (which must be illegal)   when they received the in-depth response, I think they got scared, went away for a couple weeks   tried to get the nice sounding woman to call me up, say sorry and be really nice then offer me a measly £250.   She also tried to rush me into agreeing.   
    • No it was about under by a couple grand.    Cheers
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Missnka

Should I open the first NRAM letter in over 5 years?

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Hello,

 

Today I received my first contact from NRAM in over 5 years. Next July will be 6 years with no contact - so approximately £13,000 statute barred unclaimable debt. (I sold my property and due to personal circumstances I could only afford to pay the actual mortgage and not the unsecured loan part.)

 

What should I do?  I have only recently moved and registered to vote, hence the contact probably

Should I return to sender, no such name and ignore the letter? 

Should I open and read it?

 

Only a few more months, I was shaking with anxiety when I saw NRAM on the return address. I thought I was nearly out of the hole  :( Please help.

 

Thanks

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Has it been defaulted?  When?


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I'm sorry, I'm not sure. 

 

All I know is that I sold my flat in June 2014. I instructed my solicitors to pay off only the mortgage portion and they did. (I was then homeless and needed funds to survive and rebuild my life due to an abusive ex.)

 

I never went back to that property so have no idea if I was ever contacted again. I have moved a few times since then but only now have registered to vote so am on the system. 

 

Thats all the information I have 😕

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I suggest that you start off by looking at your credit file.

 

There have been recent decisions which suggest that the limitation period runs from the date of  a default


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Statute of limitations on Mortgages (Capital) is 12 years not 6.

 

Andy


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