Loan/Mortgage with NRAM

griffter18

I picked up on a thread elsewhere in relation to NRAM not complying with CCA and providing refunds of interest. I didn't receive a letter but as I wasn't aware of the problem in the first place I wasn't expecting one.

We took out our mortgage in March 2005 which was made up of a loan of £25k and the balance as a secured mortgage.
We did remortgage with them in 2007 but it appears that only the larger value was remortgaged and the original loan stayed under the original agreement.

I have recently received statements for both and they say they are regulated by FCA.
Both statements include a starting balance for the year (Feb - Jan) and the associated transactions.
Both statements detail the remaining duration and the date of the first movement on the account.
Both statements say that they are a repayment mortgage (I'm sure originally the smaller one was considered an unsecured loan).
Neither statement details the original Loan value.

From what Ive read my understanding is that NRAM failed to comply with the requirement to provide the original loan value on the statements and this meant that the interest could not be charged.

So to may question: Should these statements have the original loan value on them, and if they don't does that mean I should be looking to get the interest refunded?

Thanks



Thoughts?