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Nram to hessonite letter


keith1602
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I have received a letter from hessonite mortgages saying they have taken over my nram account

i had my house repossessed 11.5  years ago with no further communication from nram

it states is not a request for payment just to inform me they have my account

I have looked into mortgage shortfall and know about 12 year  status 

any advice who be grateful as this us worrying me since repossession

I have lived in private rented accommodation and still do

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  • Nicky Boy changed the title to Nram to hessonite letter

is the debt a shortfall from the sale or the unsecured loan nram gave to make it upto a 100% mortgage?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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then you are slightly worse off that those with an unsecured loan sadly.

but on the other hand you say you've not paid for 11.5yrs, not long to go before its SB, and anyway the full value of the shortfall is not due either, but they wont care!

have you moved in all these years and never updated, nram or anyone else this debt has been sold too? in that time or still in the same home?

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have moved just once due to no fault eviction

I have had no communication with nram at all or anyone else till now when I received letter from hessonite mortgages

I have always been on electoral role so not trying to hide away

as far as I can see I have not had any ccj s or high court summons

hope this makes sense

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them writing to you is not 'legally' notification of your correct address and that they must use it.

as with all debt owners you must update them.

write a simple letter saying ref xxxxx please note my correct/current address.

not sure where you think high court summons? play a part in consumer debt....

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you do not 'wait' you legally in WRITING must inform them of your correct and current address to protect against backdoor litigation, however remote the prospect of that might be in your theories.

high court dont make consumer debt money judgements, they enforce them.

it would be a civil matter, subject to the civil court  system , a CCJ. should the sum claimed be above £600 then the claimant once successful 'could' for a fee cross courts to the high court and use HCEO bailiffs. but at the end of the end of the day, it's a consumer debt, and there is no right of forced entry for ANY type of bailiff county court, high court or anyone.

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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