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

Grumpy_Shunter

freddy911 wrote: »

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.

I won't be signing anything. My Dad's brother is a solicitor who deals with all the legal issues to do with property. I will show him the VS forms Nram send to me and see what he thinks.

Grumpy_Shunter

SteveABC wrote: »

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.

I shall be doing exactly that, Steve. Where this guy thinks he's going to send the keys back to me, I have no idea. If he sends them back to the property I'm leaving it'll be tough titties.

They'll be in there for a very long time!

Mouse1812

freddy911

It's a trap !

fermi

Grumpy_Shunter wrote: »

I won't be signing anything. My Dad's brother is a solicitor who deals with all the legal issues to do with property. I will show him the VS forms Nram send to me and see what he thinks.

If they state anything about being liable for the shortfall, charges, anything basically, then do NOT sign.

tiggerbodhi

Grumpy_Shunter wrote: »

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 !!!!!!.

Is nice being able to tell them to go forth and multiply isn't it! this is the release BR gives you, some of the call centre agents (for that is all they are really working from a script and flow chart, installed enough of the sytems they use to know) really think they are some sort of judge and jury on you, the fun thing is to find the answer to their questions that are not on the little arrow on the flow chart, thats when they lose it, childsih I know

freddy911

Mouse1812 wrote: »

freddy911

It's a trap !

Is it really? can you provide one case where the shortfall has been legally recovered through the courts after a voluntary repo form has been signed post bankruptcy? No because its just speculation and actually no one has ever tested it through the courts. Admittedly people are right not to sign and put themselfs at risk, I didnt even return the acknowledgment to the courts for my repo. But I dont see that NRAM are using bullying tactics by saying if you dont sign then they will take legal action because its true. That legal action being repo through the courts.

molly1412

Only just seen this post as don't always log on any more (that must be a sign that things are getting better)

We also had our house with Nram although didn't send a letter we just left before files bankruptcy it took them 9 months to repossess and the property sold before Xmas at a whopping 50k less than we paid for it but there a huge sense of relief that's done with.

We are discharged in 4 weeks the year has had it's ups and downs but its not half as bad as I expected so good luck on your journey and if you need any advice please feel free to pm me.
Molly