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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 93
    • bigbadwolf500
    • By bigbadwolf500 5th Mar 19, 3:38 PM
    • 70 Posts
    • 17 Thanks
    bigbadwolf500
    You signed it. Legally it counts the same as it would if you'd signed it on the date stated on the document.
    Originally posted by Paul_DNAP

    Do copy and paste signature 'images" count too ;-/
    • darkniven
    • By darkniven 6th Mar 19, 11:43 AM
    • 16 Posts
    • 2 Thanks
    darkniven
    Well, I've spent the morning trying to get through to the contact number given but it's always engaged.

    I've left a message via the website and am also going to fax across.

    It's all very frustrating as my claim was ready and should have been submitted to NRAM but I've had no info since before Christmas.
    • pt2537
    • By pt2537 8th Mar 19, 8:05 AM
    • 120 Posts
    • 208 Thanks
    pt2537
    Has anybody been able to contact HC successfully since receiving their letters? I'm loathe to sign the form of authority without knowing fully what fees they may charge, especially as when it was touted as "no win, no fee"?
    Originally posted by darkniven
    Lets be clear, it wasnt "touted" as no win no fee, you agreed to a Conditional Fee Agreement, a contract which sets out both parties rights and obligations

    You may find Kerrys article on CFAs when law firms cease acting of interest https://kerryunderwood.wordpress.com/2019/02/19/conditional-fee-agreement-does-not-survive-solicitor-ceasing-to-act/
    • darkniven
    • By darkniven 8th Mar 19, 9:49 AM
    • 16 Posts
    • 2 Thanks
    darkniven
    Lets be clear, it wasnt "touted" as no win no fee, you agreed to a Conditional Fee Agreement, a contract which sets out both parties rights and obligations
    Originally posted by pt2537
    Sorry, I was just quoting from an email Howlett Clarke had sent me - 'our no win no fee funding agreements'.

    Appreciate the link and all your help, work and input on this matter.
    • pt2537
    • By pt2537 8th Mar 19, 2:51 PM
    • 120 Posts
    • 208 Thanks
    pt2537
    Sorry, I was just quoting from an email Howlett Clarke had sent me - 'our no win no fee funding agreements'.

    Appreciate the link and all your help, work and input on this matter.
    Originally posted by darkniven
    No problem at all, happy to help where i can
    • Lippyx
    • By Lippyx 8th Apr 19, 3:28 PM
    • 191 Posts
    • 48 Thanks
    Lippyx
    Has anyone heard anything more from HC or the new appointed solicitors yet?
    • bigbadwolf500
    • By bigbadwolf500 15th May 19, 10:03 AM
    • 70 Posts
    • 17 Thanks
    bigbadwolf500
    Has anyone heard anything more from HC or the new appointed solicitors yet?
    Originally posted by Lippyx

    I didn't return the forms to HC. My file is still with them. Lost what to do now..............
    • Lippyx
    • By Lippyx 15th May 19, 10:08 AM
    • 191 Posts
    • 48 Thanks
    Lippyx
    I didn't return the forms to HC. My file is still with them. Lost what to do now..............
    Originally posted by bigbadwolf500
    I returned mine, have emailed the new solicitor a few times now, with zero response!
    Looks like its gone into yet another black hole.... not sure why I even thought this time would be any different from the last 8 times I've tried to resolve this!!
    • KID77
    • By KID77 15th May 19, 10:21 AM
    • 220 Posts
    • 432 Thanks
    KID77
    I didn't return mine and I think I might try and take it on myself which may sound ridiculous. I have a copy of the paperwork HC sent NRAM and I think I am going to write to them with a copy of this asking for an update since this solicitor is out of business and then take it from there.....
    DMP Number 437
    LBM May 2015 47k in debt
    Starting DMP 1st July 2015
    • bigbadwolf500
    • By bigbadwolf500 19th May 19, 8:41 PM
    • 70 Posts
    • 17 Thanks
    bigbadwolf500
    from pt2537 re Howlett Clarke files

    https://consumercreditlitigationanddebtcollection.wordpres s.com/2019/05/17/old-cases-with-howlett-clarke/
    • pt2537
    • By pt2537 28th May 19, 1:21 PM
    • 120 Posts
    • 208 Thanks
    pt2537
    Be careful you dont get caught out there. Seen one chap try and settle his case himself, he took if i recall correct 2k when there was an offer of 13 on the table.

    If you do it yourself make sure you get the right deal.
    • pt2537
    • By pt2537 28th May 19, 1:23 PM
    • 120 Posts
    • 208 Thanks
    pt2537
    I returned mine, have emailed the new solicitor a few times now, with zero response!
    Looks like its gone into yet another black hole.... not sure why I even thought this time would be any different from the last 8 times I've tried to resolve this!!
    Originally posted by Lippyx
    Id be happy to sort this out for you. ive seen a fair amount of the same feedback to be fair.

    I am still fighting NRAM cases, now i can thanks to my covanant coming to an end. So if you need a hand just left me know
    • Kimledger
    • By Kimledger 9th Aug 19, 11:13 AM
    • 1 Posts
    • 0 Thanks
    Kimledger
    Any success??
    Hi,
    Iím new to this thread so apologies if this has already been covered! Had a NR Together mortgage with the loan part being over 25k! Took it out back in 2006. I had the paperwork from Howlett solicitors but didnít proceed with a claim as although no win no fee the poss court costs I couldíve incurred worried me! Question is has anyone successfully claimed compensation from NR for the mis sale of these mortgages via a solicitor or is there no case to answer??
    Howletts said some test cases had proven successful hence why they wanted NR customers to appoint them but Iíve never heard of any outcomes! All seems to have gone quiet!
    Again apologies if Iím going over old ground!
    Thanks
    • Lippyx
    • By Lippyx 9th Aug 19, 1:24 PM
    • 191 Posts
    • 48 Thanks
    Lippyx
    Hi,
    Iím new to this thread so apologies if this has already been covered! Had a NR Together mortgage with the loan part being over 25k! Took it out back in 2006. I had the paperwork from Howlett solicitors but didnít proceed with a claim as although no win no fee the poss court costs I couldíve incurred worried me! Question is has anyone successfully claimed compensation from NR for the mis sale of these mortgages via a solicitor or is there no case to answer??
    Howletts said some test cases had proven successful hence why they wanted NR customers to appoint them but Iíve never heard of any outcomes! All seems to have gone quiet!
    Again apologies if Iím going over old ground!
    Thanks
    Originally posted by Kimledger


    My claim wasn't successful. Howletts ended up folding and my case went to another company. I've since had 3 other solicitors deal with my case.
    My case is not as clear cut as most (long story) as I split with my partner, I'd been to court previously with NRAM etc. and its quite complex.
    However, when I spoke to a solicitor about claiming for "unfair relationship" he said it would be very difficult to prove this (even though I had letters and phone call evidence) and to accept the £150 compensation NRAM offered (minus their 35% fee of course!)


    In the end I took it. I have been fighting NRAM for over 10 years, with little success, and with my ex not paying a penny towards the loan it has left me exhausted.


    You may be successful with claiming your interest back, but not sure who you need to deal with now as Howlett no longer exist!
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