Good morning.

This is my first post on here .

not sure if this is the right section.

Basically received a letter form ukar NRAM on 19/12/18

account has moved to loss recoveries loan gone In to default and a formal demand was issued

outstanding balance of 17083.51 is now sought .

Now this is the first letter I have received from NRAM .

not had any contact with them for over 12 years

me and my ex had a mortgage with nothren rock back in 2006

100 pct and a loan attached I am sure so long ago can't remember .

now we split up in 2008 and her dad bought me out my name was taken off everything with northern rock .

i moved away I now have a new family .

why are NRAM SENDING me a letter like this saying I owe them money surely it's her they should be going after .

How have they got my address and what's all this default and formal demand stuff .

i have had no contact with northern rock for ove r 12 years .

Now do u suggest I send a SAR TO THEM .

or do I ignore it as surely it's statue bared ????

Regards

kevin

Ohhh I can also add this is not on my credit file ??? Does not showe up .

How were you bought out??

Was this via Nram themselves?

If not you are still liable if the mortgage is still live and unfinished/nor paid off

Hi there thanks for replying .

It was so long ago I really don't no was a messy breakup .

I believe her dad remortgaged so I was taken off the mortgage and I was given what we agreed on the cost of what house was at the time . I.e half .

I've checked online and the house was last sold 2005 well that's when we bought it together .

So it looks as though thy still own it .

Now if that's the case why aren't NRAM chasing my ex as she still owns the property by the looks of it ???

Do I send a SAR

and is this not statue barred.

I left the house in 2007 11 years ago

It's worth double now ????

She and her dad need to be dealing with this surely .

I left for next to nothing and she has made a fortune on house

Surely this her debt now as she took it all on from me .

Go check the .gov.uk land registry site

See if you are still listed or the old nram charge one is.

If it's been paid by anyone in the last 12yrs it's not sb'd nor if it's listed.

Who are ukar?

Ok will do thank u .

Meantime is It worth sending a SAR

To what end?

Who is ukar?

Send a SAR to NRAM .

UKAR ARE part of NRAM I believe uk asset resolution

Hi can any one please give me some advice on this ???

Have I posted in the wrong section.

Thank you

post 5 please

Hi dx100uk

Ok so I have checked the land registry and I am not listed on there .

The only person listed is my ex girlfriend so what do u suggest now please .

Many thanks

so what is listed regarding NRAM solely states only her name and not yours

your only link now is possibly your original signing of the org unsecured loan , was it their normal game of a £25k one o suspect?

don't think they can chase you its out side of 6yrs now unless she has been paying it and stopped within 6yrs?

any ideas?

Hi yes just says her name with the address on the land registery.

But below it now says lender nationwide , she obviously changed mortgage company when northern rock went bust .

Yes that sounds about right the 25 k loan .

And I have had no contact with nortahern rock NRAM

SINCE 2006 over 13 years ago

No paid them a penny

Nothing .

So do u suggest sending a SAR to NRAM .

Or ignore it .

It's a strange one 13 years ago and then boom the out of the blue

pers i'd ignore them

just phishing for a mug to fleece