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Northern rock loan over £25,000

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Comments

  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Should be working now.

    NRAM v Hartley Court of Appeal ruling.. is it the end for NRAM customers?
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Lippyx
    Lippyx Posts: 191 Forumite
    Did NRAM say that they did know the contracts weren't CCA regulated? If they did, then surely we do have a case of fraudulent misrepresentation?
    Where can we find that they admitted to knowing?
  • pt2537
    pt2537 Posts: 120 Forumite
    Part of the Furniture Combo Breaker
    Lippyx wrote: »
    Did NRAM say that they did know the contracts weren't CCA regulated? If they did, then surely we do have a case of fraudulent misrepresentation?
    Where can we find that they admitted to knowing?
    Possibly, but there is a better way of nailing them than bringing mis rep claims, plus under mis rep you carry the burden of proving fraud and mis rep. Think about it :)
  • Lippyx
    Lippyx Posts: 191 Forumite
    pt2537 wrote: »
    Possibly, but there is a better way of nailing them than bringing mis rep claims, plus under mis rep you carry the burden of proving fraud and mis rep. Think about it :)



    What's the better way then?
  • pt2537
    pt2537 Posts: 120 Forumite
    Part of the Furniture Combo Breaker
    Lippyx wrote: »
    What's the better way then?
    Thats something that im currently discussing with Counsel, it wouldnt be right to post here at this stage. Suffice to say there are options available in my view.
  • Lippyx
    Lippyx Posts: 191 Forumite
    pt2537 wrote: »
    Thats something that im currently discussing with Counsel, it wouldnt be right to post here at this stage. Suffice to say there are options available in my view.



    Of course not. Good to see there might be something we can do!
  • keg1keg
    keg1keg Posts: 117 Forumite
    edited 17 August 2015 at 9:52PM
    Hi guys, I am in contact with a solicitor who specialises in bad practice from banks.
    Anyway, he thinks we may have a claim against Nram and is considering taking on the case.
    He is well respected and has lots of experience.

    Fingers crossed :T
  • keg1keg
    keg1keg Posts: 117 Forumite
    edited 17 August 2015 at 6:15PM
    :D
    Okay, he's already posted ! -pt
  • Girth1
    Girth1 Posts: 1 Newbie
    Hi. Relatively new to all this but would be interested to see what the options moving fwd are.

    We went through a mortgage advisor in 2007 and we had a mortgage in principle with Scottish Widows but this fell through. The advisor arranged a together mortgage from Northern Rock. Checking the paperwork from the advisor.. they state that the unsecured element was CCA...this was quite important as the unsecured was used to consolidate some education related loans. I am debating whether or not to contact the advisor and make a complaint.

    It may also be that this documentation could be used in a future claim...Just let me know.

    Cheers
    Girth
  • keg1keg
    keg1keg Posts: 117 Forumite
    edited 19 August 2015 at 7:09PM
    Northern Rock victim - tried to private message you last week.. couldn't ? Need email addresses !
    We need a private group.
    I've asked Mr.F - awaiting a reply
This discussion has been closed.
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