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eviction date from northern rock
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I would make a written complaint to NRAM, specifying that money you paid in to clear the secured debt was used to reduce the unsecured debt.
The bottom line is that NRAM can go to court to get a charging order to secure the unsecured debt onto the property, effectively securing it. In the meantime they can't repossess for an unsecured debt.I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0 -
Shelter provides a free, national telephone advice line staffed by trained housing advisers. We have helped thousands of people, from finding them a place to sleep to suggesting how to handle mortgage arrears.
Ring 0808 800 4444
8am-8pm Monday-Friday
8am-5pm Saturday-Sunday
As a homeowner, you can only be evicted if your lender or freeholder can prove there is a legal reason for evicting you and if the correct procedure is followed.
http://england.shelter.org.uk/get_advice/repossession0 -
I agree. Phone Shelter. You need to agree a payment schedule with Nram that you can afford, and not be panicked into promising things you can't afford. You also need to find out what/how to make sure that payments go off the secured loan first and not against the unsecured loan.
I hope you get it all straightened out.
Best of Luck
dfMaking my money go further with MSE :j
How much can I save in 2012 challenge
75/1200 :eek:0 -
Perhaps NRAM allocated funds received to the oldest outstanding debt first. Which is perfectly reasonable. As whether it is secured or insecured is irrelevant.0
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