user1979
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Hi, I have one of the infamous NRAM Together mortgages with the separate unsecured loan, now a few years back following a relationship breakup I was struggling to pay the mortgage on my own so came to an agreement to pay the full mortgage amount but drop the unsecured element to a token payment of a couple of pounds a month. Now fast forward to today I'm still paying the token amount but NRAM haven't ever defaulted the unsecured loan and just report it to the CRA as sustained arrears, I've been working hard to clean up my Credit record following mess from the split and this is the only thing left, is there anything I can do to request NRAM to default it so it will eventually drop off, otherwise it will be harming my Credit forever which seems very unfair?
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Yes I was living at another address when I took the card out, it's also filled out in someone elses handwriting and the rest of the application is blank.
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I'm just trying to avoid it escalating to the legal stage again, I don't want to risk it going to court. I don't have a scanner I'm afraid but all they have sent is an application form with only my current address on it and nothing else then a very poor photocopy of a leaflet that you can't read.
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Yes I have a breakdown of all the charges on the account. Just to clarify the account was sold last year to First Credit so it is them I need to go back to with a response, as they haven't provided a copy of the credit agreement? I'm just trying to find out the response I need to send them?
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Yes it was left in dispute as they were charging me hundreds of pounds a month in charges which was crippling me I couldn't carry on any more so switched banks and put it in dispute. No I haven't tried to reclaim as I didn't think you could now after that court case was lost? I don't think there was any PPI on the CC. What should I send back to them now is there a template letter, I couldn't see anything suitable in that section of the forum?
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The solicitors were Judge & Priestly LLP. Last payment was made in 2013 after I had a big issue with the bank and all the charges they were putting on my accounts.
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Thanks for the reply. Yes this does appear on my credit file, I checked when they originally contacted me. I would love to ignore but prior to them putting it on hold whilst they provided the documentation I was receiving letters from a solicitors threatening a CCJ?
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Hi, Around 4 Months ago I sent a CCA request off to First Credit after they contacted me with regards to a HSBC CC I used to have. today I receive through the post what they claim to be a True Copy of the credit agreement but all they have sent is an application form with just my name and current address on it in somebody else handwriting and a photocopy of a booklet with the terms and conditions on it which is so poor quality it is unreadable. As far as I understand this is not compliant am I correct in that understanding, if so what do I reply back with please? The card is pre-2007 if that makes any difference. Thanks.
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