Quick question on the way your bank/ mortgage lender contacts you...

Decanus

I am currently trying to negotiate with NRAM over a temporary reduced mortgage payment, which I originally asked about, in writing, in October.
After completing the income form, writing 3 times etc I have paid 50% of the mortgage this month, and asked for them to put in writing, if they accept or reject the offer, what they would accept etc

I have had one letter, in which they rejected my offer, and made no other offer beyond 'ring us'. I had asked that all contact be in writing only (after some fiascos in the past), yet since their letter they have not written anything to me just rang 3 times.

If I ask, do they not have to deal with you in the way you specify? I may have to reluctantly speak to them by phone, but that only ever benefits them. I want a paper trail.

Any views on this would be appreciated.

lvm

I would imagine that any agreement reached over the phone would be confirmed in writing anyway.

Would be a lot quicker to just call them and ask for any conditions to be sent to you.

I would imagine they want to ask why you want to reduce payments or to tell you there isn't enough equity to agree this or to confirm what your payments will increase to after the reduced payments.

Just call them.

Thrugelmir

Decanus wrote: »

I have had one letter, in which they rejected my offer, and made no other offer beyond 'ring us'. I had asked that all contact be in writing only (after some fiascos in the past), yet since their letter they have not written anything to me just rang 3 times.

Suggest you make contact. Before matters worsen to your detriment. At the moment appears if you are stalling for time.