Hi,

Like many hundreds of other borrowers with Northern Rock Together Mortgages, we have an unsecured loan for an amount in excess of £25k which we took out prior to 2008.

The unsecured loan paperwork states that it is covered by the CCA although NRAM are now trying to argue that this is not the case

(because the amount exceeds the limit that was covered when we took the loan out).

We, like many others, have complained to NRAM to no avail and now approached the Financial Ombudsmen for help.

However, everyone so far seems to have been fobbed off in a manner which the cynics amongst us would have good reason to believe that, as a government body, the FOS may have been leaned on to try and sweep this issue under the carpet. (There is an easy-to-find thread on MSE)

It seems to me that NRAM and the FOS will have little to argue if borrowers in the same position as ourselves can show either of the following;

1. A Judge declaring that loan executed on regulated paperwork should be treated as being covered by the CCA even if the amount exceeds £25,000 (prior to 2008)

2. Perhaps less so but there does seem to be cases of NRAM taking a borrower with such a loan to a court and using the CCA against the borrower. NRAM clearly can't have it both ways...if they wish to pursue people with loans in excess of £25,000 by citing the CCA then clearly they accept that the loan is covered.

I can see from other threads that the member Petebeds appears to have had a Judge rule that his Northern Rock / NRAM loan over £25k should be treated as if it were covered by the CCA since it was executed on regulated paperwork.

Also, on the same thread Josie8 suggests that she successfully argued something similar or indeed very relevant to all of this.

If this is indeed the case, then the details of those court hearings will prove to be a great asset to those who are so clearly being stiffed by NRAM.

If we can keep this thread to people who know exactly what I'm talking about that would really help everyone in the same boat.

Hopefully then we can post some good clear advice for everyone and get some proper redress for how we've all been mislead, mis-sold, lied to, cast aside and generally treated like badly

Thanks in advance to the site admins who I hope will flag this with the members mentioned above and anyone else who they think may have some constructive input.

JHill

S.O.S sent to both members mentioned.

I will also have a scout round and see if I can find any more for you.

I would have thought that josie8 and peterbeds would have responded by now. It is possible they have changed their email addresses and are not receiving notifications. I am at a loss as to what you can do.

I must admit, I don't quite understand the concept of a Together Mortgage, I would have thought that if it is a proper mortgage then you would be able to approach them for some forbearance. If they are full repayment, will they switch to interest for a while - or perhaps they can extend the term of the mortgage !

I did try contacting Petebeds, sadly there was no response

I have the same issue with another bank, would also like to hear what Josie Bs defence was.

Bump

I have just come across this website and thread and I'm amazed at how many people are in a similar situation as me.

In 2006, my wife and I bought our first house. It needed a lot of work doing to it, so we borrowed £158'000 (130'000 mortgage & 28'000 loan) from Northern Rock. I have been on the SVR for the past 4 years, unable to switch mortgages due to the LTV and hike in interest rate if you split the mortgage and loan.

I feel we have all been mis sold this product and I hope that all your hard work and time pays off and justice prevails. Please keep updating the thread if anyone has any success.

Thank you.

Hi Citizen B,

I have been out of action for a few months but I notice that Smarter_now may have some interesting news from his last post on this thread...trouble is I dont seem to be able to message him or you...has something about the site changed?

You should be able to message me.. I will check your account to see if we have the gremlins in again !

Cant see anything.. I will ask the techies for you. Meanwhile, I will just do a test private message to you.. see if you can respond to it.

You should be ok to private message me now

Hi All,

Has anyone got any updates on this situation as I'm currently in the process of putting a reply together to FOS after my initial complaint regarding my 25K plus loan with Northern Rock was not upheld.

I've been reading so much information about all this that I don't know where to turn next and was wondering if anyone had any new news?

Hi,

I know what you mean we need a big group of us to come together and get some lawyers, go to European courts if we have to

I know there's the NRAM Action group but I've no idea if there's a way of contacting them to see if they have any updates.. I tried on Facebook but nothing as yet!

Same here

Has anyone got any further info?

The fos and nram is just generic copy/paste responses?

I dont know what exactly you want to know, but the article on MSE linked below might be of interest.

http://www.moneysavingexpert.com/news/loans/2012/12/northern-rock-pays-270-m-to-150000-after-gaffe

http://www.bbc.co.uk/news/business-20679511

Thanks for the links, but they are both over a year old? I want to know if any over 25K Together prisoners have challenged in court and won in regard to the CCA non-compliance issue.

Thanks for the links, but they are both over a year old? I want to know if any over 25K Together prisoners have challenged in court and won in regard to the CCA non-compliance issue.

Ah righto.

I dont recall seeing anyone having any success.. will keep an eye open for you.

On the 17th of November "Declaratory Proceedings" take place in the High Court with regards to this whole debacle.

I am not a lawyer and so this is purely my opion and take on the matter and should not be considered a statement of fact.

NRAM are essentially taking themselves to court to get a ruling on precisely where they stand from a legal point of view.

But here's what I consider to be the dark side of things...The defendents in the case appear to be employees of NRAM! The Prosecters are NRAM whilst one of the defendent (according to their LinkedIn profile) is "Head of Unsecured Debt Recovery".

How on earth are the voices of thousands of mis-sold NRAM customers liekly to be voiced in such a court? This is an absolute sham!

Are there any moderators that can help bring this to greater light and get some heat on this case?

I am having to pay £50 to the high court to get the details of the Judge etc and so will update in the comings days. High Court don't except cards you have to pay cash or cheque...leaving me to call in favours from relatives to physcially go to the High Court in London so I can get this info.

I don't want to sound dramatical but to me this appears to be some really dark, cover-up. Does anyone have any useful input? Anyway of finding out for sure if this is something CAG will look to bring to the fore?

Thanks in advance for any help!

You have answered my question

Do you know if there is a Facebook group or is this being tweeted ?

No, I think the action group on facebook gave up...Not surprising really, it has been almost 2 years since George Osbourne told the house of commons that there were issues (which anyone with a loan under £25k was compensated for)

Don't they list judges and the cases they are hearing, somewhere ?

I don't know to be hoenst. I am applying to get the info through the High Court at a cost of £50 although they dont except payemtn over the phone! Having to get a relative to turn up in person, pay the £50 and then hopefully get the info before the case starts.

You can go to court to seek a declaration in some situations. This is commonly used where someone holds a pot of money which could be claimed by a number of different people and wants to know what to do with it. For example, a solicitor who is holding a large amount of money after a sale of a house, but two individuals both claimed they in fact owned the house, might go to court for direction as to how to deal with the money. Do you know what declaration NRAM are actually asking the judge to make?