Northern rock arrears letter

leese2504

Hi

Hope somone can help, I have received a letter from Northern rock with whom I am in 1 months arrears for paying a loan ( I have sent a dmp letter ) they have sent a letter chasing the one months payment, I am confused as at the top of the letter it states I am in arrears with X amount, but in the letter it states if payment of Y amount ( which is the correct amount ) isnt paid further action will be taken. Why would they state two different amounts, the one on the top of the letter is about £30.00 less than the monthly amount I normally pay. Is this possibly a mistake and if so does that make the letter invalid? thanks in advance

10past6

NR are one of the most agressive creditors, you need to keep one step ahead of them if you can, are you on a DMP, if so, who with, what type of loan is it?

leese2504

Hi, I am arranging my own DMP as per CCCS request because they are so busy. It is an unsecured loan with 2.5 years of repayments left ( paid off 2.5 years already ) on the DMP it will take aprox 5 more years to clear. I am about 5 days late paying the loan so technically 1 months in arrears. I am scared now as I have a mortgaged house but very little in no equity.

10past6

The letter is computer generated, automatic if a payments not made on a specific date, however, as I mentioned, you need to keep one step ahead of them, in view of that, I suggest you send the following letter addressed FAO DAta Controller at NR

Data Protection Act 1998 Subject Access Request


Dear Sir/Madam

Account number: xxxxxxxx

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 account Numbers xxxxxxxx and xxxxxxxx-x

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.

Additionally, all records you hold on me relevant to the above 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 account.

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 consumer credit agreement section 77-79 of the Consumer Credit Act of 1974.

Any other information relating to the account.

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, I shall be reclaiming them, and 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 found to be acceptable.

leese2504

Okay here I go, I knew I needed to fear them for some reason, as I took out the loan in Dec 2006 via the internet do you think they will supply. I will be paying every penny back even if it isnt enforeable but at least it would give me relief to know they couldnt take me to court. Thanks for your help 10past6 will post recorded delivery tomorrow.

10past6

Did you take out PPI with this loan?

leese2504

I honestly dont know tbh. But now I am wandering if I have with them putting two different figures on my arrears letter. wandering if one includes it and the other doesn't. I still have the original agreement from them when I get home I will have a look and let you know. thanks again

10past6

Send the SAR of, wait and see what comes back.

leese2504

10past6 wrote: »

Send the SAR of, wait and see what comes back.

Will do thanks for your help x

leese2504

SAR sent to Northern rock recorded delivery today/ Here gooessss:eek: