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some thoughts on MIGs and limitations

from Melody (mbc109@york.ac.uk)
After more years than I care to remember being threatened, bullied and lied to by Citibank International plc, they have finally agreed to leave us alone (and have accepted a cheque for £2k). One thing that I was particularly interested in was the MIG policy, which they repeatedly refused to let me see. In response to continued pressing from the IC, they eventually stated that none of the data relating to the policy was stored in any way that would allow it to be linked to my own personal data (therefore it doesn't fall under the terms of the DPA SARN). The reason I wanted to see it, of course, was to see if the subrogated debt associated with it could really be chased legally for 12 years. In fact, however, I think Citibank's statement to the IC gives the same result; if it is not linked in any way to the mortgagor's personal data, it surely cannot be subject to the special 12 year limit applied to the mortgage itself. My feeling is that this is just another nail in the already well-nailed coffin of a putative 12 yr limit on MIG debts. All related thoughts welcome.
(posted 7863 days ago)

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