Nram threatening me...........

Grumpy_Shunter

with legal action if I don't return their voluntary surrender pack signed within 10 days:p

I done the decent thing and give Nram a call to tell that I was now BR and would be VSing my house.

I told them that I would be going about this by sending them a covering letter explaining my intentions and would include all the house keys, all via recorded delivery.

The nasty man told me that wasn't acceptable and would send the keys right back and start legal proceeding against me for non-payment. I'm BR !!!!!!.

tigerfeet2006

God bless NRAM...and all who sail in her.

Have to say that's not the first we've heard of the the idiocies of NRAM. Just let them get on with it.

Grumpy_Shunter

tigerfeet2006 wrote: »

God bless NRAM...and all who sail in her.

Have to say that's not the first we've heard of the the idiocies of NRAM. Just let them get on with it.

Out of all the cr*p my wife and I have gone through the last 3/4 months, some over enthusiastic little weasel from Nram is the least of our worries.

Nram.......................... Bring it.:wave:

Mouse1812

I would love to know what legal action the dipstick thinks they can commence.

No one can force you to sign anything, period.

and as you put it so well yourself, you're BR !!!!!! :rotfl:

Lou67

Ha ha, what a muppet. Glad you're not bothered about it G.S; you have no need to be of course. We had creditors chasing us for a while after BR, but a short, sharp threatening letter from the O.R. did the trick. :j

Best wishes to you and yours for the future xxx

fermi

The only legal action they can take is to repossess the house. Which is what you want them to do. :rotfl::rotfl::rotfl:

Lou67

fermi wrote: »

The only legal action they can take is to repossess the house. Which is what you want them to do. :rotfl::rotfl::rotfl:

Ha ha, the irony. Makes you wonder how these people function during their everyday lives.

rossireps

reminds me of kays
short version if you dont pay we will take it further , i said br is the bottom line there is no further! never heard from them again. lol

samtoby

What does NRAM think they will achieve!

freddy911

Mouse1812 wrote: »

I would love to know what legal action the dipstick thinks they can commence.

No one can force you to sign anything, period.

and as you put it so well yourself, you're BR !!!!!! :rotfl:

The legal action will of cause be starting repossession proceedings as that is the only legal avenue they have.

Did you consider that there may be legal reasons why they wont accept a self written letter of surrender? They have to do things by the book and legally to ensure there is no come back should you challenge it after they have sold your property.

I offered to surrender my property to the Halifax which they refused. However I don't see this as them being awkward they simply wanted to do things by the book. During the repossession proceedings they acted amicably and made no requests for payment expect in so much as to say that payment would be the only way to stop the proceedings at the various stages. After the house was sold they didn't even notify me of the 30K shortfall, instead updating my credit file as settled without any request from me. Hardly them being awkward or spiteful.

SteveABC

It seems people have different experiences with NRAM.

I left the property and just sent them a simple letter without too much information stating I was (a) BR (b) would not be making any payments or returning to the property and (c) enclosed the keys.

I didn't mention anything about repo (voluntary or not).

I never heard a peep from them until they repo'd the house 9 months later.

I never filled in any forms. The only thing I did was write to the judge at the court to confirm I would not be challenging the repo or attending court on the day.

Everything just happened!

I would just ignore everything they send - you are BR and there's nothing they can do about it.