I'm having on going issues with NRAM,

it's been going on for over a year now and it's still not resolved,

there is no communications between staff and departments,

no one knows what they are doing,

I have spoken over 45 differently members of staff,

wrote over 2 dozen letters to them and still it's goes on.

I have had the complaint upheld with by the FOS,

NRAM even sent me £250,

but have still failed to deal with the complaint.

Every time I call them they say we will raise it as a complaint,

currently I'm on my 8th compliant now and still no resolution,

I have emailed the CEO and nothing happened with that,

had one reply to acknowledge the email and that's it.

They were told to deal with the credit reference agency because of the damage they did to my credit rating,

they failed to do that even when the FOS told them too.

I'm no further forward over a year on,

it appears there a law to themselves,

they employ and bunch of clueless unprofessional, uneducated incompetent fools

who can not communicate with human beings.

What can I do next?

have you got all the statements?

what are your issues please

have you got all the statements?

 

 

what are your issues please

I applied for 12 month interest only whilst I sell my house,

which is still on the market and empty,

they say it was only 6 months,

they even sent me a letter confirming it was 12 moths,

they put on charges etc,

I was told by NRAm what I would have to pay and they decided to change this amount

after the first month with out informing me.

Prior to the interest only I was told that I had PPI on my mortgage by NRAM and then heard no more.

When I questioned it they informed me that it was taken off my mortgage but never sent me any details.

The FOS ruled in my favour and told NRAM to sort the out the credit agency,

the arrears and outstanding differences,

they have done the arrears and money difference, not the credit agency.

Towards the end of the term I asked to extend the term to reduce the monthly payments whilst on the market,

through out all this I have continued to pay the amount they have said.

There are other issues regards insurance etc and I have all the evidence against NRAM

to demonstrate everything I have said .