Round 1 - Ascent/NatWest Default BTL

Good evening everyone. So looking to hit the ground running, whilst consuming all the knowledge/education at the same time.

Basically we have a few fronts to fight (consumer credit, interest only mortgage that hasn't done anything since 2008, defaulted mortagage with Natwest from a really bad buy-to-let investment that was never surveyed by Natwest).

Now we're trying to work out the best, most intelligent and stress-reduced way forward, whilst giving the system a black eye or two on the way out and up (definitely now down! 😄).

First one to face down is the defaulted natwest buy-to-let mortgage - we gave the keys back to Natwest around 2017, it was such a bad investment and the building was in such a bad way, we were flogging a dead horse. Natwest auctioned the property for £33k and are now chasing for the shortfall of 75k. It's a long story, but Natwest are using Ascent Legal to collect the debt on their behalf, so not a debt buyer. I have basically ignored them for 6-8 years, occasional contact disputing the survey and making a small offer to clear it (refused) - but never got as far as court and I've never paid anything toward the shortfall.

They are now threating to take us to county court.

We've come across all the knowledge around the sovereign man/woman, self litigation, BoE etc etc.

Peter seems to have the most practical and achievable advise, so here we are.

I submitted my first SAR to Ascent a few days ago and they have responded with (any opinions/advice is welcome) - my feeling is this is rubbish and side stepping, surely they have my data and should have sought my consent to keep it:

"Good morning Mr Hearn,

Thank you for your email.

Ascent processes your personal data on behalf of NatWest. NatWest is the data controller for your personal data and is therefore legally responsible for responding to Data Subject Access Requests.

Please contact NatWest directly to submit your request.

Kind regards,

Cathryn Kenny

Head of Risk and Financial Control

For and on behalf of Ascent

Manchester (St Peters Square)"

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