Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search

Results: Have you enquired about your Northern Rock CCA loan

Yes, I have been awarded compensation

3.57% • 1 votes

Yes, I have been advised there is no valid complaint

3.57% • 1 votes

Yes, I am awaiting a response from Northern Rock/NRAM

57.14% • 16 votes

No

35.71% • 10 votes

You may not vote on this poll

28 votes in total.

Page 90
    • Cardifflady
    • By Cardifflady 19th Oct 17, 2:39 PM
    • 6 Posts
    • 1 Thanks
    Cardifflady
    What do you mean, are you saying Landmark Mortgages are better than Northern Rock? I have had a horrendous time with them, they are completely unprofessional and extremely unhelpful.
    • stusimpson
    • By stusimpson 22nd Oct 17, 10:47 PM
    • 12 Posts
    • 0 Thanks
    stusimpson
    Paul,

    Thanks for the clarification, I will give the office a call. One question though, if people are successful , surely it would open up a can of worms for NR or whoever ends up paying compensation? The costs would be huge, why would they not want to go through the courts?
    Cheers Stu
    • downhiller
    • By downhiller 25th Oct 17, 1:39 PM
    • 123 Posts
    • 80 Thanks
    downhiller
    Paul, are you at liberty to say what percentage of claims are successful? 100%, 90% etc?
    • stusimpson
    • By stusimpson 12th Nov 17, 10:54 PM
    • 12 Posts
    • 0 Thanks
    stusimpson
    Paul where have you gone?
    • Meredith76
    • By Meredith76 13th Nov 17, 7:33 AM
    • 1 Posts
    • 0 Thanks
    Meredith76
    We also have a 30k unsecured together loan and 50k mortage with Northern Rock taken out in 2005. Having followed the story over the last few years I had assumed that we would not get any interest back. We are still paying this and have over half the original amount left. Is it best to just fill in the solicitors form and see what they say? I'm going to try and find any original documentation today. Thanks for any help in advance.
    • pt2537
    • By pt2537 18th Nov 17, 8:53 PM
    • 108 Posts
    • 203 Thanks
    pt2537
    No where mate, been in meetings all week so not had time to get online til weekend.

    Anyway, for those who were doubting whether we were right or not, have a read https://consumercreditlitigationanddebtcollection.wordpres s.com/2017/11/18/nram-landmark-an-interesting-development/
    • pt2537
    • By pt2537 18th Nov 17, 8:54 PM
    • 108 Posts
    • 203 Thanks
    pt2537
    Paul, are you at liberty to say what percentage of claims are successful? 100%, 90% etc?
    Originally posted by downhiller
    I havent lost with NRAM.
    • downhiller
    • By downhiller 27th Nov 17, 2:13 PM
    • 123 Posts
    • 80 Thanks
    downhiller
    Thanks Paul

    If it wasn't for the fact I got the mortgage originally with my ex-wife, I probably would take this further, but no amount of money is worth having to deal with her again!
    • KID77
    • By KID77 13th Jan 18, 7:52 AM
    • 215 Posts
    • 432 Thanks
    KID77
    Hi Paul, you say you haven't lost with NRAM but I am now with Whistletree, what is your success rate with them?
    DMP Number 437
    LBM May 2015 47k in debt
    Starting DMP 1st July 2015
    • simpson_77
    • By simpson_77 23rd Feb 18, 12:51 PM
    • 76 Posts
    • 19 Thanks
    simpson_77
    is there any update on this? Are they paying out?
    • dansbigmama
    • By dansbigmama 22nd Mar 18, 8:39 PM
    • 2 Posts
    • 0 Thanks
    dansbigmama
    Evening,
    After advice or knowledge, please.
    We have placed a complaint against Whistletree for incorrectly completed paperwork for the unsecured section of our Northern Rock Together mortgage.
    We remortgaged with Northern Rock in March 2005 ( to increase a previous Together mortgage [should have known better]).
    The unsecured part of the mortgage was for £26250 and we were taking it out over 360 months.
    Fast forward to recent years where Ive read about problems with these loans, how they were regulated and issues with the paperwork. So Ive dug out the paperwork with regards to our loan
    I have 2 copies of my loan agreement. Both state that - CREDIT AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974. So firstly this is incorrect, but I appreciate that most people arenít getting very far with this mistake.
    HOWEVER on closer inspection, one copy of my agreement states my Period of Agreement is 300 months commencing on date of this agreement. It shows loan amount, interest rate and APR.
    This copy is signed and dated by myself, husband and Northern Rock.
    The second copy we have states my Period of Agreement is 360 months commencing of date of this agreement. Again it shows the loan amount, interest rate and APR.
    This second copy is NOT signed by any of us.
    My complaint is this - my Together mortgage is over 360 months, however this paperwork states my unsecured loan is 300 months.
    All statements show both parts of mortgage are being paid over 360 months.
    Whistletrees solicitors are dealing with this, they have acknowledged there is an issue. Today they contacted me and asked us what we want to come out of this.
    I honestly cant answer this. Im assuming my interest payments will be incorrect. But they are suggesting reducing this loan to come into line with the valid credit agreement but at no detriment to us. How can they reduce my term but not increase my payments without setting up a new loan agreement?
    Any advice to go back to them with would be appreciated.
    Last edited by dansbigmama; 22-03-2018 at 8:42 PM. Reason: Spelling
    • bigbadwolf500
    • By bigbadwolf500 23rd Mar 18, 10:00 AM
    • 55 Posts
    • 12 Thanks
    bigbadwolf500
    Hi

    I wouldn't deal with Whistletree solicitors direct. Contact Paul Tilley at Howlett Clarke solicitors. Plenty of links in this thread. He will advise you on the extent of your claim
    • dansbigmama
    • By dansbigmama 31st Mar 18, 3:49 PM
    • 2 Posts
    • 0 Thanks
    dansbigmama
    I've tried contacting pt2537. No answer yet. Can anyone else help, please?
    • bigbadwolf500
    • By bigbadwolf500 1st Apr 18, 12:08 PM
    • 55 Posts
    • 12 Thanks
    bigbadwolf500
    I've tried contacting pt2537. No answer yet. Can anyone else help, please?
    Originally posted by dansbigmama
    hcnram@howlettclarke.co.uk
    • Cardifflady
    • By Cardifflady 2nd May 18, 10:41 AM
    • 6 Posts
    • 1 Thanks
    Cardifflady
    Just for reference, in case anyone is in the same boat, I offered Landmark Mortgages £16,000 in full and final on my unsecured loan (balance outstanding £22,400). This was rejected, without any reason other than "they dont have to accept offers". I then offered them £20,000 in full and final, I have been ignored. They have sent me a redemption statement though on the full amount but showing a "Mortgage Discgarge fee of £250.00". Be careful as I challenged this as there was nothing in the unsecured loan agreement about a "mortgage discharge fee" and they have now taken this off. It is onlt £250, but still they have taken thousands and thousands off me so not willing to hand them a penny more!


    The worst decision of my entire life was taking out a together mortgage, I was young and didnt understand, it has had a major affect on my life and my mental wellbeing, sometimes just wanting to end it all because of the financial pressure. I live for the day when somewhere, someone wins a case against these crippling interest charges on these loans over £25k, and we get a refund like people who had loans under £25k.. why are ours different. So unfair.
    • lindsey1980
    • By lindsey1980 6th May 18, 9:50 PM
    • 4 Posts
    • 0 Thanks
    lindsey1980
    hi has anyone got any compensation yet from this as i am still waiting for compensation
    • lindsey1980
    • By lindsey1980 6th May 18, 9:56 PM
    • 4 Posts
    • 0 Thanks
    lindsey1980
    hi is this for the mortages as well back when they did not put all the info and small print as i am still trying to get compensation for this and dont know how to go abbout this
    • lindsey1980
    • By lindsey1980 6th May 18, 10:06 PM
    • 4 Posts
    • 0 Thanks
    lindsey1980
    hi is this also for the mortages from northern rock from when they didnt put all the info in the small print as i am still waiting for compensation and dont know how to go about this bigbbbadwolf500 can u help
    • sourcrates
    • By sourcrates 7th May 18, 4:02 PM
    • 14,368 Posts
    • 13,553 Thanks
    sourcrates
    This thread dates from 2012, and has not been updated for at least a year.

    If you have a complaint about a mortgage lender, you first complain to them about it, if your not happy with their response, you then involve the financial Ombudsman Service, who will take it further.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see : http://legalbeagles.info/
    • bigbadwolf500
    • By bigbadwolf500 7th May 18, 8:17 PM
    • 55 Posts
    • 12 Thanks
    bigbadwolf500
    hi is this also for the mortages from northern rock from when they didnt put all the info in the small print as i am still waiting for compensation and dont know how to go about this bigbbbadwolf500 can u help
    Originally posted by lindsey1980
    contact hcnram@howlettclarke.co.uk they will advise you
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

101Posts Today

2,006Users online

Martin's Twitter
  • Ah these care free days of watching #ENG score 5 goals in the first half of a World Cup match. It reminds me of... Never.

  • Then it should be. It's not some accident. It's deliberate grappling https://t.co/UxVTuUSNio

  • Penalty yes but time someone was sent off for these wrestling moves #WorldCup

  • Follow Martin