Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1
    Basic Account Holder Andrea1967 Novitiate

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    Question NRAM have written to me asking about my PPI **WON**

    I received a letter dated 17 Feb from Northern Rockicon Asset Management PPI Review team. The letter states that I was sold PPI during the period 14 January 2004 and 18 March 2008 and invites me to request a review of my policy.

    They provide a checklist where I can select the possible missellingicon criteria that might apply to me.

    My memory is sketchy about the loan I had with Northern Rock and I think I paid it off early. I have no recollection of taking out PPI as it would be something I would generally decline.

    My initial thought was that this was a genuine attempt by NRAM to rectify any misselling incidents however another poster has mentioned NRAM are doing this review for a 30% fee. There is no fee mentioned in the letter I have received.


    Does anyone know anything about this as I am sure I am not the only person to have received such a letter.

    Thank you


  2. #2
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    Default Re: NRAM have written to me asking about my PPI

    where have you seen they take 30%?

    they are the banks own arm dealing with loans/mortgages etc

    dx

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    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
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  3. #3
    Basic Account Holder Andrea1967 Novitiate

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    Default Re: NRAM have written to me asking about my PPI

    Thanks for your reply.

    Another post here entitled with NRAM in the title refers to something similar and says they are offering to do it for 30%.

    It's an odd letter as on the face of it it appears correct and proper but then when I re-read it is very bland - no personal account details and no confirmation whether I had PPIicon or not. I could almost interpret it as a cold call touting for me to appoint them to look into it just based on the fact that I'm on a list as someone who had a loan.

    Not sure whether to respond or start the process myself. Hence just wondering if anyone else has had one and what their thoughts are.



  4. #4
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar

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    Default Re: NRAM have written to me asking about my PPI

    obv something i need to get up to speed on
    can you post up the letter please?

    scan the required letters/agreements/sheets
    as a picture[jpg] file
    remove all pers info inc barcodes etc using paint program
    but leave all figures and dates.

    goto one of the many free online pdf converter websites
    it would be better to uploadicon a multipage pdf
    than many single ones
    or if you have PDF as an installed printer drive use that
    or use word and save as pdf
    open a new msg box here
    hit go advanced below the msg box
    hit manage attachments below that box
    hit the add files button on the top right
    hit select files, navigate to your file[s] on your pc
    hit upload files
    NB:you can set where it goes in the post by hitting insert inline.
    then hit reply button
    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


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  5. #5
    Basic Account Holder Andrea1967 Novitiate

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    Default Re: NRAM have written to me asking about my PPI

    Hi Dx. Thanks for looking at this. I don't have facilities to scan but can probably do it in the week. I can type up the content fairly quickly if that would help in the meantime.

    Letter is from: NRAM, NRAM PPIicon Review Team, PO Box 68596, London, EC2P 2LA Tel: 0800 294 6744

    Each page is footed with Northern Rockicon (Asset Management) plc - Registered in England and Wales (Company no. 3273685). Registered Office - Northern Rock House, Gosforth, Newcastle Upon Tyne, NE3 4PL., Authorised and regulated by the Financial Services Act.

    The letter is signed by Robert Thackeray, Head of Operations. The prepaid envelope enclosed quotes the PO Box address of NRAM PPI Review Team given above.

    They quote their reference commencing T3G followed by nos. but I am not sure if it is personal to me.

    I'll post the content of the 3 page letter next.


  6. #6
    Basic Account Holder Andrea1967 Novitiate

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    Default Re: NRAM have written to me asking about my PPI

    PAGE 1 OF LETTER

    17 February 2012

    THIS LETTER IS IMPORTANT AND REQUIRES YOUR CAREFUL CONSIDERATION

    Dear Mrs xxxx

    We recently tried to contact you in relation to your payment protection insurance policy (PPIicon). The contents of the original letter are below. (note I don't recall receiving this letter at all) This letter is important and you should take time to read it and consider your options. If you have any queries in relation to this letter then please contact us on tel 0800 294 6784 or write to us at NRAM PPI Review Team (PO box address as provided). If you have recently contacted us then please ignore this letter.

    Your Loan Payment Protection Insurance Policy
    Northern Rockicon (Asset Management) plc (NRAM) has recently reviewed its sales processes for Payment Protection Insurance (PPI) sold with unsecured loans through Northern Rock's telephone, branch and internet sales channels between 14 January 2005 and 18 March 2008.

    As you were sold a PPI policy during this time, you may wish to review the policy that was attached to your unsecured loan. If you believe that your PPI policy may not have been sold appropriately you should contact us, either by phone on 0800 294 6744 or using the response form at the end of this letter if you would like us to review the sale of your policy.

    Depending on your circumstances you may be entitled to a refund of your premium and an interesticon payment of 8% to reflect the return you could have made if you invested this amount in another way.

    Requesting a review of your policy will not affect the terms of you personal loan in any way. If your PPI policy is stilll active and a a refund is due, your PPI policy will be cancelled and the protection you currently have will be lost. It would be your responsibility to obtain alternative protection elsewhere if you felt it was required.

    If you have recently contacted us to make a complaint in relation to the policy, please disregard this letter. We are reviewing your complaint and will contact you once our investigation is complete.

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  7. #7
    Basic Account Holder Andrea1967 Novitiate

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    Default Re: NRAM have written to me asking about my PPI

    PAGE 2 & 3 OF LETTER

    What to do next



    Please take time to read the key points set out in this letter and contact us, either by phone on 0800 294 6744 or using the response form at the end of the letter, if;
    • you think that any of the issues may apply to you;
    • you have any concerns regarding the purchase of your PPI policy and whether it was suitable for your needs; or
    • you have any questions about the sale of your PPI policy
    When calling please have the account details to hand as these will be used to confirm your identity before discussing the account with you. (note; it's unlikely I still have any of these details having no current product with Northern Rockicon)

    Key Points about your Loan Protection policy

    1. Eligibility



    To be eligible to claim on the PPI policy there were certain criteria you had to meet when it was added to your loan. These criteria were:
    • working at least 16 hours per week;
    • Resident in the UK
    • Aged between 18 and 64 throughout the term of the loan
    In addition to the above, there were specific terms relating to the self-employed and contract or temporary workers which you should have been made aware of at the time.

    2. Optional nature of the insurance
    When you purchased your policy you should have been made aware that loan protection was an optional policy and was not a condition of the personal loan. Taking out this policy would not have enhanced your chances of being successful in obtaining the loan or determining the final rate of interesticon payable.

    3. Cost of the cover
    When you purchased your policy you should have been made aware of the total cost and in particular that the product was paid for by a single one off payment added on to your personal loan. It should also have been explained that interest was charged on the payment for the term of your loan. You should also have been made aware of the total amount you were paying for PPI each month.

    4. Early repayment of your loan or cancellation of your PPI policy
    You should have been made aware that if you redeemed your loan early or cancelled your PPI that the refund of your premium was not proportionate to the remaining term of your loan.

    5. What are you not covered for

    When you purchased your policy, we should have made you aware about the exclusions and limitations which applied to it, including that:
    • unemployment within 30 days, or notified within 30 days of the start date of the policy would not be covered
    • there was a minimum requirement to work 16 hours per week
    • the policy would not be valild after you were 65 years of age
    • psycho neurotic, back injuries or psychological conditions are not covered
    • pre-existing medical conditions or conditions that you should have known about at the time of the application are not covered
    • if the loan was a joint account the policy only covered the primary name on the account and not both account holders. You should also have been made aware of the need to read the policy booklet to ensure you fully understood all relevant terms and condtions.
    6. Existing protection/means
    If you purchased the PPI policy over the telephone or in a branch, the advisor should have asked for the full details of any existing payment protection or life cover, either with your employer, Northern Rock or another provider or ssome other existing means (such as savings or assets) that could have been used to protect your personal loan payments in the event of a reduction in income.

    The advisor should have asked for full details and where appropriate taken them into account when giving advice. This should also have included details of any sick pay or redundancyicon payments you would receive.

    7. Sales approach
    You should have been made fully aware that the total premium for the PPI policy was added to your loan. If you purchased the policy over the telephone or in a branch then the adviser should have provided you with all of the key points and limitations to allow you to make an informed decision about purchasing the PPI policy and whether it was suitable for you.

    A number of issues are identified in this letter that may be relevant to the sale of your loan protection policy. However, NRAM is not saying that the sale of your policy failed to adhere to the standards outlined in this letter, or that it mis-soldicon your individual policy. As such, this letter should not be construed as an admission of liability by NRAM in relation to the sale, and NRAM reserves its rights generally in this regard.

    If you believe that any of the key points and limitations were not made clear to you when you purchased your policy please contact us by telephone on 0800 294 6744. Our team will be available to handle your call between the hours of 0800 and 1800 Monday to Friday. Alternatively, you can complete the enclosed response form and return it in the pre-paid envelope provided. Please provide a telephone number on which we can contact you to avoid unnecessary delays in providing you with the outcome of our review.

    Yours sincerely
    Robert Thackeray
    Head of Operations

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  8. #8
    Basic Account Holder Andrea1967 Novitiate

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    Default Re: NRAM have written to me asking about my PPI

    This is the enclosed response form that also contains a QR code though I don't have means to scan it.

    NRAM PPIicon REVIEW RESPONSE FORM

    Name: Mrs XXXX
    NRAM Reference: T3G_nos. here.

    Contact tel no._________________
    Best time to contact (between 0800 - 17.30)_________________

    Having read your letter dated 17 February 2012 I woud like you to review the following areas of the sale of the PPI policy attached to m personal loan with Northern Rockicon (please tick each area you have concerns in):

    There is then a table set out headed up Issue with a list of issues and next to it a tick box headed up 'Please Review'. Issues stated as:

    1. I was not aware that the insurance policy was optional and I did not have to include it to obtain the loan
    2. I was not aware that the total cost of the PPI policy was added to my loan and interesticon was charged on it throughout the loan term.
    3. I was not made aware that I would not receive a proportionate refund of the cost of the PPI policy if I cancelled it before the end of the term
    4. I was not made aware of all significant exclusions affecting my personal circumstances that could have led to a claim being declined
    5. Any existing PPI policies or other means I had of making the monthly loan payments were not taken into account
    6. I was not asked sufficient details about my personal circumstances to allow the adviser to provide appropriate advice
    7. I was unduly pressured to include PPI during the sales process
    8. I was not aware that I was being sold a PPI policy with the loan

    If you have concerns in more than one area above please explain which one you feel was most important (1 to 8).

    If you have any other reasons why you are unhappy with the way your sold your policy, or you have made an unsuccessful claim please describe the details here. (hmm?)

    ......................... ......................... ......................... ......................... ......................... .....................

    As part of investigating your complaint, NRAM may need to contact Pinnacle Insurance plc, the underwriter of your policy and obtain some of your personal dataicon from them. This may include the amount of premium paid, whether or not you have made a claim against your policy, what that claim was in relation to and any claims payments that were made to you but may also include other information that is held by Pinnacle Insurance plc. Without this information NRAM will not be able to fully assess your complaint.

    By signing below, you consent to NRAM contacting Pinnacle Insurance plc on your behalf.

    Signed................... ......................... .....
    Mrs xxxxxx

    Phew - that is the end of the content
    Cheers Andrea


  9. #9
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    Default Re: NRAM have written to me asking about my PPI

    if nram are a reclaims co then do it yourself and save the 30% fee

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


    DX
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  10. #10
    Basic Account Holder Andrea1967 Novitiate

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    Default Re: NRAM have written to me asking about my PPI

    Has anybody else had this letter and responded?


  11. #11
    Basic Account Holder yarg100 Novitiate

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    Default Re: NRAM have written to me asking about my PPI

    Hi,
    my wife has made a claim against them at the back end of last year. unfortunately (delaying our claim) Northern Rockicon have been sending out these letters to people who may be eligible for a refund just after we sent ours back so it could well be valid. personally if i was you i would do my own letter, a templateicon can be found on here which we used. DONT let them get away with taking the 30% that is rightfully yours. Its not going to cost you anything except the cost of a stamp. They are slow at responding and say it can take up to 28 working days before they look at it and 10 days for it to be put into your bank account so i would suggest go for it as we are expecting the payment any day now .


  12. #12
    Basic Account Holder storm01 Novitiate

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    Default Re: NRAM have written to me asking about my PPI

    A family member had one of these,

    we decided to send the fosicon form instead, to be safe and as the loan was originally with Northern Rockicon, not NRAM, sent it to them.

    Didn't actually have account of loan details, but gave as much info as could.

    They just sent the form back saying they couldn't trace the loan (can you believe it), which only ended 2010,

    so they should have details, they said it may be NRAM we need to send form to.

    So do we send FOS form back to Northern Rock or do send to NRAM, we don't want charging either,

    that seems inappropriate and can't see any mention on the NRAM form.


  13. #13
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    Default Re: NRAM have written to me asking about my PPI

    you fire a claim off to the OC Original Creditor - who you PAID

    as its only 2010 this should be easy to find out.

    dx

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    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
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  14. #14
    Basic Account Holder storm01 Novitiate

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    Default Re: NRAM have written to me asking about my PPI

    Hi, thanks for that, original was NRock, they stamped the fosicon form as received and promptly returned it, wasn't sure if the old loans details had been passed to NRAM, but it was annoying and a waste of stamp, lol. Will have to send it back again with a letter of dislike then.
    Best regards


  15. #15
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    Default Re: NRAM have written to me asking about my PPI

    so where is this 30% coming from then?

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


    DX
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  16. #16
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    Default Re: NRAM have written to me asking about my PPI

    Quote Originally Posted by dx100uk View Post
    so where is this 30% coming from then?

    dx
    It's mentioned on this thread:
    http://www.consumeractiongroup.co.uk...highlight=NRAM


  17. #17
    Basic Account Holder Americanmuscle Novitiate

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    Default Re: NRAM have written to me asking about my PPI

    I had a letter from NRAM, sent off the relevant information they requested and have received a letter back saying my claim is upheld, they also state in the letter how much they are going to pay me and that it will be depositied to my bank account within 28 days, no mention at all about any commision.


  18. #18
    Basic Account Holder Americanmuscle Novitiate

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    Default Re: NRAM have written to me asking about my PPI

    NRAM true to their word credited my bank last week with the amount stated in their letter!


  19. #19
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    Default Re: NRAM have written to me asking about my PPI

    great result

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


    DX
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  20. #20
    Basic Account Holder Tamper Man Novitiate

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    Default Re: NRAM have written to me asking about my PPI

    Hi, I have also received contact from NRAM over the last 3 months. On checking the documentation, locations and address's given I found that they were quoting a loan that I did actually take out and that I still had my own documents for, dates and account number correct. On returning their question paper with my concerns they have written back stating they confirm and have upheld my concerns. They have quoted an amount money equal to all PPIicon payments made + 8% interesticon, and will refund in total. No mention of deducting commission. Awaiting payment. Will report later.



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