Change of Ts & Cs without telling us.

dunstonh

. Fact is the reason we chose that product all those years ago has been taken away and, if it turns out there is nothing I can do about it, I'll be mighty p'ed off!

There is nothing you can do about it.

If I'd bought a car and, several years later a mechanic arrived to take 8% off the fuel consumption, I'd have him arrested! So how come it's ok for a bank to do it?

You need to think of a better example than that.

Its more comparable to the dealer offering car washes which you utilised but years later, the car wash stopped being offered.

Thrugelmir

GaryBC wrote: »

The lady on the phone this morning told me that they'd changed them last April - less than a year ago.

But from what I'm reading here I'll be wasting my time even complaining.

You would be sent revised terms and conditions with your annual mortgage statement. They regularly get updated to comply with current requirements.

antrobus

Thrugelmir wrote: »

NR has been closed for new business sine February 2008 when it was nationalised. So no change of terms and conditions. It simply has no capacity to offer new products.

On a point of order.

Northern Rock was still doing new business after Feb 2008. See, for example, the new product range announced in Feb 2009 - http://www.n-ram.co.uk/corporate/media/latest-news/2009/25-02-2009

It was after the good bank, bad bank split in Jan 2010, that the bad bank NRAM stopped doing new business, because all the new business (obviously) went through the good bank Virgin Money.

GaryBC wrote: »

...My question of the community here is: what can I reasonably expect by way of remediation from them?...

Here's a previous thread on the same subject - https://forums.moneysavingexpert.com/discussion/comment/67234897#Comment_67234897

I think the key sentence would be "All payment holidays are subject to Northern Rock prior agreement."

BobQ

As you gave not defined the terms and condition you claim they have breached no sensible comment can be made.

I doubt you can do anything because you have not suffered any detriment from the action they have taken. Unless you are capable of identifying the clause they have not followed I cannot see what remediation you expect?