MSE News: Northern Rock pays £270m to 150,000 after gaffe

lennonc1

Yes, we seem to waiting on the fos dealing with it now.
They have received so many complaints about nram they are being dealt with by a specialist team, who may be looking at a mass complaint.
Another 8 weeks to wait before my assigned adjudicator gets in touch.
In the meantime we are working on the action group website so we can have more sign up and go direct to ukar with proposals of changing terms to fairer terms before we take legal action.
Have you signed up? It's for current and ex nram customers.

darlingdaisys

Has any existing customers still not heard anything since the last holding letter? When are the 8 weeks up from it? I cant find the letter anywhere!

daisymay2008

chips78 wrote: »

This seems to have ground to a halt, might give em another ring about progress for ex nram customers

i'm with you, although they seem to treat their existing customers appallingly so we will be treated even worse than that i fear!

if they don't give a toss about there existing customers imagine what they think of us lol

i may get a letter this side of xmas if i'm lucky, such a hamfisted approach it is beyond belief!

catwoman150

darlingdaisys wrote: »

Has any existing customers still not heard anything since the last holding letter? When are the 8 weeks up from it? I cant find the letter anywhere!

I was just thinking about that the other day. I think time should be up soon for them. Maybe at the end of April we should get something.

Lord_Jamesy

Reply from NRAM today.

It says that no redress is needed on the 2 loans my wife is paying off as they were for home improvements and these are exempt from the CCA!

Sounds like a total fib!

My wife took the loans out to pay off old debts.

lennonc1

That is utter rubbish, someone else on another thread has said this too, I can't believe they will use any excuse. Send complaint to fos right away.
I can't believe they are getting away with treating customers like this.
Apparently the Tories are applying pressure to get nrams debt paid faster, this means going for more repossession and not following pre action protocol. All this will never stand up in court. But they know the average customer won't fight in court. They are nothing but BULLIES!!

Enough

lennonc1 wrote: »

That is utter rubbish, someone else on another thread has said this too, I can't believe they will use any excuse. Send complaint to fos right away.
I can't believe they are getting away with treating customers like this.
Apparently the Tories are applying pressure to get nrams debt paid faster, this means going for more repossession and not following pre action protocol. All this will never stand up in court. But they know the average customer won't fight in court. They are nothing but BULLIES!!

I've had same letter no redress due to home improvments on two loans both coverd by cca and both loans under £25,000

Lord_Jamesy

Enough wrote: »

I've had same letter no redress due to home improvments on two loans both coverd by cca and both loans under £25,000

Spoke to the wife and said both loans were agreed over the phone.

Says she can't even remember any paperwork to sign.

Enough

Lord_Jamesy wrote: »

Spoke to the wife and said both loans were agreed over the phone.

Says she can't even remember any paperwork to sign.

Just spoke to fos.told me to complain to nram 1st then they have 8 weeks to reply then phone them back

lennonc1

Yes complain straight away, email it as it is instant and recorded, that's what I done, you will get an automatic response and it won't take them 8 weeks, I have my final response within 2-3 weeks.
In your letter ask them to show you where within the law of cca 1974 does it state this and you contest it was a loan for home improvement.
Please also send SAR request as you will need to look at your loan agreement, they could possibly be unenforceable!
If you need template letter pm me and I will send or will post on here for everyone to use.

Email complaint ASAP to customerrelations@n-ram.co.uk
If there is anything else I can do please let me know.

C