Big Jazzy!!! I'm trying to get hold of you via Money Saving Expert, Legal seagulls and this forum You are soooooooo important to this whole NRAM **** and I dont think you'll know why Please PM me!!

Hi Mr B! Do you have any knowledge of where I should be looking for this? Been Googling for the past hour and no joy Case reference is 2014folio507 Thanks in advance for any help

Hi Steampowered, as I understand it the proceedings are to get a ruling on whether or not loans over the value of £25,000 which were executed on misleading CCA paperwork should actually have the CCA applied to them.

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.

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)

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!

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?

Hi Smarter Now, Any news on this? I've recently started a new job and so haven't been as active on this as I would have liked.

Hi GothBoy, I posted this on the wrong thread late last night so just in case... You should read the very useful thread "Tale of a Dodgy Default Notice". There has been a case in the past involving a member from here Petebeds who we have tried to contact but to no avail. He was in a very similar boat and served a default notice. whilst the regulated/unregulated argument was never tested NRAM withdrew their claim after he filed a counterclaim for unlawful termination due to a defective Default Notice. I think what clinched it for him was the defective DN which had made the whole thing unenforceable. Unfortunately It never went to trial, so there is no precedent and no case report to cite. I think he's been paid off to keep quiet since he hasn't responded to requests to join this thread. Jhill

Hi GothBoy, Hi You should read the very useful thread "Tale of a Dodgy Default Notice". There has been a case in the past involving a member from here Petebeds who we have tried to contact but to no avail. He was in a very similar boat and served a default notice. whilst the regulated/unregulated argument was never tested NRAM withdrew their claim after he filed a counterclaim for unlawful termination due to a defective Default Notice. I think what clinched it for him was the defective DN which had made the whole thing unenforceable. Unfortunately It never went to trial, so there is no precedent and no case report to cite. I think he's been paid off to keep quiet since he hasn't responded to requests to join this thread. Jhill

Great stuff! Look forward to hearing from you.

Hi Gothboy. I'm assuming you are the same GothBoy on twitter that recently tweeted about NRAM using the CCA to take you to court or laucnh proceedings against you in some way? There is a link to another thread on this page...can you rock up and say hi...I think the info you hold could possilby help all of us NRAM are trying to stitch up. Cheers!

Hi Smarter_now, thanks! I dont have enoug credits yet to PM you although Citizen B is being a massive help hear. Yes! Your case will help for exactly the reasons you mention. My case is with the FOS and so as soon as you get this it will be a help to us and I hope many others. There seem to be many others in similar situations to yourself where they have loans over £25k but where NRAM have still appleid the CCA to prosecute them.

Hi, are you happy to post the details of the court and judgement on here or perhaps send a PM to CitizenB? Your info will strengthen the case of others tied up with the FOS; showing NRAM use the CCA to their benefit with loans over 25k but then deny customers CCA protection in the same boat.

Hi Consumer8992223 - I don't have enough points either!