NRAM together Mortgage - overpayments and unsecured loan

katym79

Hello. We started making overpayments to our Northern Rock 'together' mortgage in Jan 2010. i asked at the time to apply the overpayment to just the unsecured loan part of this mortgage - they said yes, put it in writing which i did, and i still have a copy of this letter. i presumed all was well until in Jan 2012 i realised the overpayment had been applied to the whole of the mortgage. I asked for this to be fixed and they are now giving my overpayment to the loan - they did this over the phone and it was fine.
I asked them if they could apply all previous overpayments to the loan part and they said this wouldn't be possible as they have a new computer system and wouldn't have a record of what i've overpaid - i think i was being fobbed off - the girl i spoke to sounded a bit confused by it all - is this right? i can't see the problem with them doing this, it can't be any skin off their nose? or am i wrong? i guess its not a massive deal, but it would be nice to have less of the loan and it was their mistake in not doing it in the first place but my fault i didn't check it sooner. Not sure who i should speak to about this. Any help appreciated.

katym79

BUMP

Anyone?

The_J

Whilst you have both parts with Northern Rock it's the same interest rate so it shouldn't make a financial difference either way. I.e they should be able to add X to the secured loan and take off X from the unsecured part.

That would involve a bit of brain capacity and responsibility far beyond what the phone monkeys have so you'll probably need to kick up a stink. Go for it.

katym79

Thanks for the reply - thats what i was thining, but i just can't seem to get through to a person that can do this! Ugh! I'll keep trying and let you know what happens.:)

katym79

just to update - they are looking into it for me - doesn't seem as complicated as i thought.