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Results: Have you enquired about your Northern Rock CCA loan

Yes, I have been awarded compensation

3.57% • 1 votes

Yes, I have been advised there is no valid complaint

3.57% • 1 votes

Yes, I am awaiting a response from Northern Rock/NRAM

57.14% • 16 votes


35.71% • 10 votes

You may not vote on this poll

28 votes in total.

Page 90
    • Cardifflady
    • By Cardifflady 19th Oct 17, 2:39 PM
    • 5 Posts
    • 1 Thanks
    What do you mean, are you saying Landmark Mortgages are better than Northern Rock? I have had a horrendous time with them, they are completely unprofessional and extremely unhelpful.
    • stusimpson
    • By stusimpson 22nd Oct 17, 10:47 PM
    • 12 Posts
    • 0 Thanks

    Thanks for the clarification, I will give the office a call. One question though, if people are successful , surely it would open up a can of worms for NR or whoever ends up paying compensation? The costs would be huge, why would they not want to go through the courts?
    Cheers Stu
    • downhiller
    • By downhiller 25th Oct 17, 1:39 PM
    • 123 Posts
    • 80 Thanks
    Paul, are you at liberty to say what percentage of claims are successful? 100%, 90% etc?
    • stusimpson
    • By stusimpson 12th Nov 17, 10:54 PM
    • 12 Posts
    • 0 Thanks
    Paul where have you gone?
    • Meredith76
    • By Meredith76 13th Nov 17, 7:33 AM
    • 1 Posts
    • 0 Thanks
    We also have a 30k unsecured together loan and 50k mortage with Northern Rock taken out in 2005. Having followed the story over the last few years I had assumed that we would not get any interest back. We are still paying this and have over half the original amount left. Is it best to just fill in the solicitors form and see what they say? I'm going to try and find any original documentation today. Thanks for any help in advance.
    • pt2537
    • By pt2537 18th Nov 17, 8:53 PM
    • 108 Posts
    • 203 Thanks
    No where mate, been in meetings all week so not had time to get online til weekend.

    Anyway, for those who were doubting whether we were right or not, have a read https://consumercreditlitigationanddebtcollection.wordpres
    • pt2537
    • By pt2537 18th Nov 17, 8:54 PM
    • 108 Posts
    • 203 Thanks
    Paul, are you at liberty to say what percentage of claims are successful? 100%, 90% etc?
    Originally posted by downhiller
    I havent lost with NRAM.
    • downhiller
    • By downhiller 27th Nov 17, 2:13 PM
    • 123 Posts
    • 80 Thanks
    Thanks Paul

    If it wasn't for the fact I got the mortgage originally with my ex-wife, I probably would take this further, but no amount of money is worth having to deal with her again!
    • KID77
    • By KID77 13th Jan 18, 7:52 AM
    • 215 Posts
    • 432 Thanks
    Hi Paul, you say you haven't lost with NRAM but I am now with Whistletree, what is your success rate with them?
    DMP Number 437
    LBM May 2015 47k in debt
    Starting DMP 1st July 2015
    • simpson_77
    • By simpson_77 23rd Feb 18, 12:51 PM
    • 70 Posts
    • 19 Thanks
    is there any update on this? Are they paying out?
    • dansbigmama
    • By dansbigmama 22nd Mar 18, 8:39 PM
    • 1 Posts
    • 0 Thanks
    After advice or knowledge, please.
    We have placed a complaint against Whistletree for incorrectly completed paperwork for the unsecured section of our Northern Rock Together mortgage.
    We remortgaged with Northern Rock in March 2005 ( to increase a previous Together mortgage [should have known better]).
    The unsecured part of the mortgage was for £26250 and we were taking it out over 360 months.
    Fast forward to recent years where Ive read about problems with these loans, how they were regulated and issues with the paperwork. So Ive dug out the paperwork with regards to our loan
    I have 2 copies of my loan agreement. Both state that - CREDIT AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974. So firstly this is incorrect, but I appreciate that most people arenít getting very far with this mistake.
    HOWEVER on closer inspection, one copy of my agreement states my Period of Agreement is 300 months commencing on date of this agreement. It shows loan amount, interest rate and APR.
    This copy is signed and dated by myself, husband and Northern Rock.
    The second copy we have states my Period of Agreement is 360 months commencing of date of this agreement. Again it shows the loan amount, interest rate and APR.
    This second copy is NOT signed by any of us.
    My complaint is this - my Together mortgage is over 360 months, however this paperwork states my unsecured loan is 300 months.
    All statements show both parts of mortgage are being paid over 360 months.
    Whistletrees solicitors are dealing with this, they have acknowledged there is an issue. Today they contacted me and asked us what we want to come out of this.
    I honestly cant answer this. Im assuming my interest payments will be incorrect. But they are suggesting reducing this loan to come into line with the valid credit agreement but at no detriment to us. How can they reduce my term but not increase my payments without setting up a new loan agreement?
    Any advice to go back to them with would be appreciated.
    Last edited by dansbigmama; Yesterday at 8:42 PM. Reason: Spelling
    • bigbadwolf500
    • By bigbadwolf500 23rd Mar 18, 10:00 AM
    • 47 Posts
    • 9 Thanks

    I wouldn't deal with Whistletree solicitors direct. Contact Paul Tilley at Howlett Clarke solicitors. Plenty of links in this thread. He will advise you on the extent of your claim
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