New member just joined can’t wait to get started I have been following CMTM for a while and was at the meeting at Dundee I have a lovely letter response for you @Peter Wilson that I will post soon once I find my way around

I have sent sar 1 sar 2 and sar 3 then I sent a final notice and zinc came back with this reply I am trying to help my daughter get out of a situation she got herself into @Peter Wilson “template driven internet sourced letter” ZINC GROUP LTD Xxxxxxxx 92 xxxxxx Xxxxxx Xxxxx Xxxx 3rd of February 2026 Zinc Reference: xxxxxx Re: NatWest Group Account No: 5xxxxxxxxx Dear xxxxxxxx We write further to your correspondence titled "Final Notice - intent to initiate legal proceedings" which appears to be a template-driven, internet-sourced letter. We have carefully reviewed the matters raised and for the avoidance of doubt, we do not agree with your assertions and do not accept that we have acted unlawfully, failed to comply with data protection legislation, or engaged in unauthorised debt collection activity. Our position is set out below and represents our final response on these issues. Our role and authority As previously explained on multiple occasions, we act solely as a third-party service provider on behalf of our client. We are not the creditor and have not purchased the account. Accordingly, no Deed of Assignment exists in relation to this account. A Deed of Assignment arises only where a debt has been legally assigned to another party. As no assignment has taken place, your request for a Deed of Assignment under section 136 of the Law of Property Act 1925 and related legislation is misconceived and cannot be complied with. Our authority to act derives from our contractual appointment by our client, not from any assignment of rights. As will have been stated in our clients' terms and conditions and fair processing notice, our client can pass customer data to a third party such as us for collection of an outstanding balance. Consumer Credit Act documentation Requests made pursuant to sections 77-79 of the Consumer Credit Act 1974 apply to the creditor. As we are not the creditor, but rather a third-party agent, we do not hold the original credit agreement. Therefore, your request for documentation was appropriately referred to our client. You have confirmed within your correspondence that documentation was supplied by our client following your request. We therefore consider this aspect closed

What VPN’s are people using? Just seen the this buyout , 😳 Who to turn to? 🤷‍♀️ https://www.instagram.com/reel/DUUZypVCo7w/?igsh=aGxvMHlzbGx1eXlp