Nram sold me too landmark mortgages?

Thrugelmir

Westminster wrote: »

Direct debits are pulled by the creditor so why would they be returned?

Lacks of funds on the day of presentation.

Westminster

Thrugelmir wrote: »

Lacks of funds on the day of presentation.

Certainly that could be a cause for a DD to land back in your account, but on this occasion, the OP said the following:

NRAM have now passed me to landmark mortgages and have been returning my direct debits for four months now telling me I don't have a mortgage with them anymore? and to pay landmark??? who are now trying to repo my house for non payment

Which sounds like a returned SO rather than a bounced DD.

If the OP had a DD setup, then I would expect it to have been modified to reflect the account details for Landmark (this happened for us when Tulip picked up our NRAM account for a month until we moved house and mortgage company). It also seems to have happened to Apesxx

dunstonh

That is a good call Westminster and could certainly be a possible reason.

Standing orders are paid by the account holder to a bank account they specify. The account holder is in control. Whereas direct debit is collected by the recipient. It is one of the risks of using standing order instead of direct debit. That risk is increased if you dont monitor your finances for over 6 months at a time.