IVA with Churchwood/Kingsgate Insolvency. Money Gone Missing?

[silentmovieman]

Also where does this leave me in regards to the possible refund situation that was mentioned?

[theoldrouge]

We need to see the statements first otherwise just guessing

[silentmovieman]

ICO form completed and emailed to the relevant place.

[silentmovieman]

Letter received from ico today saying that they've written to nr and are awaiting their response.

 

 

The letter does say that they won't offer compensation (to be expected) and may adviser nr to do better in future.

 

This wouldn't get me any of the documents that ive requested though would it?

[theoldrouge]

lets see how nr respond first

[silentmovieman]

Will nr respond after being contacted by the ico or do i need to tell nr that i have the ico on their case?

 

On a related note i got a letter from Marlin today informing me that they will now be known as Cabot financial as they are part of the Cabot credit management.

[The GodMother]

Nr will be contacted by ico and will be asked to explain themselves etc. If NR was a original creditor then they really have no excuse

[silentmovieman]

So is been 26 days since i received the letter from ico and ice not heard a peep since. should i be chafing chasing this now?

[theoldrouge]

Just be patient for now

[The GodMother]

These things take time. If idiots r us get huffy tell them its in the ICO hands due to possible fraud and you are willing to name them as part of the fraud. They will back off then

[silentmovieman]

Over two months now.....should i have heard something by now?

[theoldrouge]

takes time SM

[silentmovieman]

So got the response from the ico today and have hit a dead end.

 

The letter states -

 

On the basis of all the information provided by you and nram,we have decided that it is likely that nram has complied with the requirements of the dpa in this case.

 

This is because they have confirmed to us that they have supplied you with all the information that you are entitled to under the data protection act.

 

You may wish to consider that your loan was sold on to Marlin Financial group on 2013 and it may be that the information you seek is now with them.

[dx100uk]

urm.. so we already know marlins statements show no payments don't we?

 

 

dx

[silentmovieman]

CAnt get the info from Marlin, cant get the info from NRAM, game over then I guess.

 

On a side note I have not recieved anything from Marlin for a couple of months now

[theoldrouge]

I would be tempted to send NR a formal complaint anyway

 

on the basis of what we outlined in posts nos 175 and 184

 

and see what they come back with, and it places the account in a valid dispute

 

which can be then forwarded to the fos if refused, and stops marlin in their tracks if they persue

[silentmovieman]

With Marlin seemingly already having given up the ghost and NR steadfastly refuting they have the documents requested is there really any point in pursuing it?

 

I don't mean that in a defeatist manner but another letter to nr isn't likely to garner any results is it? And if i went to the fos would they be any more helpful than the ico were?

 

To be honest I've forgotten what i was chasing

[theoldrouge]

if marlin start chasing you again, the well worthwhile starting a complaint to NR

 

its to reduce your balance/ gain recompense, not produce documents

[silentmovieman]

Sorry to restart this thread again but a letter arrived from Cabot Financial today.

 

The letter was basically identical to those from Marlin and my understanding is that theyre both part of the same group of companies, is this right?

 

If I am hearing from Cabot does that mean the matter has been escalated?

[dx100uk]

yep

both the same

made to make you think its escalating

 

 

in all reality

its simply an autogenerated threat-o-grams from exactly the same printer

with a diff name on it

 

 

dx

[silentmovieman]

Different tact from Cabot who left voicemail on wifes mobile, though i use the number now since she upgraded.

 

Should i be concerned by this or is it just them trying their luck. I could call back and tell them they have the wrong number and not to call again.

[dx100uk]

that's now DCA's work

threat threat threat

worry worryworry

 

you owe them nowt

they ar not BAILIFFS

and have

NO such legal powers.

 

sadly 75% blindly pay them.

 

just to shut them up

 

dx

[silentmovieman]

So just block their number or is it worth calling them to say I'm not the wife so to remove my number from their files

[dx100uk]

yes block them.

 

 

calling will do nowt

 

 

dx

[silentmovieman]

So blocked the number yesterday and received another call from they today from the same number with just an additional digit at the end. Blocked that one too