NRAM constant threats

[bikklemam]

Hello and thank you in advance for anyone who maybe able to advise me.

I was divorced in March 2007, when joint bank accounts were closed. My ex handled all money during our marriage and took on the NRAM debt when we split. My ex went to court in 2009 and got an IVA for the full amount of the NRAM debt, which they accepted. About 2 years ago, i started to receive letters threatening to take me to court for this debt. I went onto my credit reference file, which showed the NRAM debt as settled. All went silent for a while and i have now received a letter again stating, as i have not been in touch, they are referring my debt to Mackenzie Hall. My credit file still shows NRAM as settled. I am out of my mind with worry and do not know where to turn. Please can anyone advise me of what to do next?

[enquirer]

Re: NRAM constant threats

NRAM threatens to refer the debt to MH for collection. They do not say that they will take you to court for it. If actually passed to them, MH will be operating as debt collectors, and nothing more.

Confirm that you were both on the original mortgage (jointly and severally liable). If you were, then proof that they have released you from that obligation will be vital.

Assemble and copy the following documents: IVA for full amount of debt; anything showing NRAM's acceptance thereof; hard copies of your credit file entries that show the debt as settled (take screenshots as well).

What does your ex's credit history show? Did he pay it all off? If he has since defaulted, this may be why they are coming after you. Alternatively, it may simply be because their database is incorrect.

If the documentation does confirm that you are no longer under any obligation to NRAM, write, enclosing copies and pointing this out. You might also remind them of the obligations under the Data Protection Act 1998.

[bluebottle]

Re: NRAM constant threats

NRAM threatens to refer the debt to MH for collection. They do not say that they will take you to court for it. If actually passed to them, MH will be operating as debt collectors, and nothing more.

Confirm that you were both on the original mortgage (jointly and severally liable). If you were, then proof that they have released you from that obligation will be vital.

Assemble and copy the following documents: IVA for full amount of debt; anything showing NRAM's acceptance thereof; hard copies of your credit file entries that show the debt as settled (take screenshots as well).

What does your ex's credit history show? Did he pay it all off? If he has since defaulted, this may be why they are coming after you. Alternatively, it may simply be because their database is incorrect.

If the documentation does confirm that you are no longer under any obligation to NRAM, write, enclosing copies and pointing this out. You might also remind them of the obligations under the Data Protection Act 1998...

...and the eye-watering fine the ICO can hand out to those who do not fulfil their obligations under the Act, currently, a maximum fine of £500,000. The largest fine the ICO has handed out, to date, is £480,000.