NRAM mortgage shortfall/decree

pj70 wrote: »

All you have to do is send a DPA letter nram asking for all telephone calls between the solicitor and Nram and all original signed loan agreements with the cca 1974 on that information. Nram have to come up with this information by law 40 days.

Then step 2 -you send another DPA letter to the solicitor who took you to court and ask them for all the information that you asked Nram Under the DPA in the information above, which the solicitor has to provide by law and under the SRA regulations . If they both do not come up with all the information by law or Breach of DPA you then send to the ICO who will investigate them both.

See i have done this to both of them and the ICO have found that Nram and there solicitors have broken the law and breached the data protection act and i have reported the solicitor to the SRA on the breach of data protection act so now they have to watch there step. One other thing to send a letter to the courts asking for the same information but you can bet they will not have the information. See once you turn it around and they have been found guilty of breach and braking the law they loose that power of taking it to court. If it did go to court you can say to the judge that Nram and solicitor have breached the dpa and broken the law and can get fined to. One other thing is the default is invalid because all the information did not come under 1974 consumer credit act. That is how i did it. Also i have reported them to the fos. The fos have said that Nram are not aloud to take the unsecured loan through courts it is it is not under consumer credit act 1974 plus the default is invalid and now statute barred over 6 years period and i have told them i am not paying anymore money towards the unsecured loan knowing they can not add charges to the loan or take to court on the fos saying this in there report.