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!

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

Sure, I will do that although to help as many people as possible I need Josie8 or Petebeds to tell me what judged ruled that their loans in excess of £25,000 should be treated as CCA regualted loans since the paperwork stated that they were. It is a long, tricky subject which I hope to make much clearer for everyone in the same boat but I really need Josie8 or PeteBeds to help

Hi, I'm sorry to hijack this thread although I am desperately trying to contact Josie8 since I think she may well have some extremely useful information relating to Northern Rock Together Mortgages with Loans in excess of £25,000. Josie8, if you are reading this can you please visit the thread -Do-you-have-a-Northern-Rock-Together-Mortgage-Read-This./page8 Petebeds I think maybe able to help too...I am right it seems you have successfully argued in court that a loan in excess of the £25,000 CCA limit (prior to 2008) should be treated as a regualted argeement since it was executed on regulated paperwork. If there is a recorded judgement on this then you could help hundreds of people (if not thousands) who are being stiffed by NRAM and not getting anywhere with the FOS Thanks and sorry for hijacking

IMPORTANT! Northern Rock Case Info Needed Hi, I've spent many hours researching the issue of Northern Rock Together Mortgages with loans over £25,000 and I think that there are two members on this site that can really help... Petebeds and Josie8 appear to have successfully argued in court that whilst a NR loan was for more than £25,000, since it was executed on CCA regulated paperwork the borrower should be afforded the protection of the CCA. I am not a prolific poster and so I can not message them directly but can anyone try and reach out to Josie8 or Petebeds for comment on this. Showing the FOS that judges have ruled that loans in excess of £25,000 that were executed on regulated paperwork will be a very powerful argument for all of us in the same situation. Thanks in advance if anyone can help!

IMPORTANT! Northern Rock Case Info Needed Hi, I've spent many hours researching the issue of Northern Rock Together Mortgages with loans over £25,000 and I think that Petebeds and Josie8 might hold the key to helping hundreds of people like me who were sold the together product based on the fact it was regulated by the CCA but are now being told by NRAM and the FOS that it is not. This thread looks long done and dusted but if anyone can help me reach either Petebeds or Josie8 I would be very grateful. I am not a prolific poster and so I can not message them directly. Thanks in advance if anyone can help!

Hi, we have a NR Together Mortgage with £30k unsecured loan which states it is regulated but NRAM say is not. I have lodged my complaint with the fos and so waiting for someone there to call me. Question: Has anyone hear heard back from the fos regarding how these "regulated" loans are infact "unregualted"?

Hi All, I'm in a slightly different position with Northern Rock but this may help people here? I'd really appreciate anyone with some legal experience commenting on this too. In July 2006 we took out a NR Together Mortgage and the Unsecured Loan was for an amount exceeding £25,000. At the top of the agreement for this loan it reads "Loan Agreement Regulated by the Consumer Credit Act 1974" although at the time of signing, the Consumer Credit Act only covered amounts upto £25,000. When we took out the mortgage I remember noting that it was unsecured and covered by the Consumer Credit Act and saw it as a positive thing in protecting me, the consumer. However, where do I stand now? In my opinion, NR have lied to me and led me to believe that I had the protection of the CCA when I didn't. Any Ideas? I've attached a copy of the agreement.