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About bradfordlad

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  1. Give me strength!! Response from NRAM: From reviewing your account I can see that your account is split into 2 elements - one being your mortgage and the second being the secured loan. The loan you referred to was an unsecured loan and was not connected to your mortgage. [this is the loan where I was told they had to issue a default notice] After speaking with our Credit Amendments team, I can confirm we would normally only report aan unsecured loan as being id default if the unsecured loan was de-linked from the mortgage, when the mortgage is redeemed, if the property has been repossessed and sold, or if the customer is insolvent. Based on the circumstances above, your situation does not fit into these scenarios, therefore your credit file is reported correctly as being in arrears and is now reporting the arrangement. We do not mark secured loans as defaulted, and the only time we would do this is if the property has been taken into possession or the customer is insolvent. SO.....are they trying to avoid answering my question, or am I barking up the wrong tree? They tell me to refer to FOS if I'm not happy, but I'm not sure whether to go to FOS or ICO - or both? It's not a difficult question is it? Why didn't you default when I was clearly going to be in arrears for a long time. And given this information, I'm asking you now if you would please issue a backdated default as you've put us in a worse situation than if you'd defaulted in 2012. Any thoughts on anything else I should try, or do I just pursue FOS & ICO? Out of interest, and not sure if I've mentioned this, but the loan is currently on 0% and will be while the arrangement is in place, so I reckon it would be cleared in 8.5 years or so. Cheers BL
  2. Did we really expect anything else from them?!! Posted reply yesterday so will wait for further response......
  3. Ok well, a little progress... Received a reply to my complaint about removing AP markers and getting a backdated default. It was exactly as I expected! "Sorry, the AP marker accurately reflects the conduct of the account, so we're leaving it as it is". It's like a game of chess isn't it?! So - my reply is going to be "You didn;t address my complaint - WHY did you NOT register a default when the account was in arrears, it was clear we would not be able to maintain payments at the normal level, AND you sent me a letter saying it was your policy to issue defaults as it is REQUIRED BY THE ICO?!!" This time I will send them a copy of the letter as unsurprisingly they were "unable to locate that particular letter on their document retention system". Makes me wonder what other letters/credit agreements they might not be able to trace!!!! The game is afoot!
  4. Hi Andy good to see you're still around! Yes, had a ponder and decided to file it. I think they asked a few months ago, and I ignored that one. Don't want to alert them to the invisible CCJ - sleeping dogs and all that!! Cheers BL
  5. Hi everyone! Well here we are, almost 5 years on from the CCJ and surprise surprise DLC have popped up asking for up to date records and an affordability statement to "help them reach a suitable agreement with me". As if a CCJ for £15 a month isn't suitable? If they do not hear from us by 9th October they will continue to attempt to contact us. SO - do I just ignore it, or do I send them away with a flea in their ear? THE THING IS....... the CCJ has never appeared on my wife's credit file! Not with Noddle, Experian or Equifax. Certainly not complaining but I don't want to upset the applecart. If they are not aware of the CCJ (which I would have thought they would be seeing as they were passed the file when GPB were shut down) could they get it registered now until Jan 18 when it's 6 years old. Payment of £15 a month has been maintained since the Court Order. Anyone any thoughts? Cheers BL
  6. Right, thank you! In the meantime I've sent the letter requesting a backdated default. Fingers crossed!
  7. Right - SAR for all statements or as a minimum details of all fees & charges applied to the account since it was opened. Anything else I need to ask for?
  8. Wow - 11 years of mortgage statements!! That will make fun reading Presume the same applies to all other creditors too? Will I be able to obtain statements on accounts that have been sold to DCA's, even 5 & 6 years ago? One question I have about claiming back charges etc - WHY can we claim back charges? Surely the banks are able to charge fees when an account is late/in arrears? They're in the Tariff of Charges. Not complaining of course if I can get something back (or at least knocked off the debt) but it seems odd that we can just say "give me back all those fees & charges". Cheers BL
  9. Ah thats a shame dx, I liked the cut of his jib! Do you know I never did anything about reclaiming anything on any of the debts! I am so out of touch with fees/charges & what you can /can't claim for I wouldn't know where to start! Definitely never did PPI I know that (at least not out of choice) - is there a decent up to date guide you'd recommend? BL
  10. Interesting thought just occurred... ... Remember that this thread relates to an unsecured loan taken alongside my nram Togther mortgage. Well back in 2009/10, I also a a "normal" nram personal loan. This too had an arrangement to make reduced payments for a while, then at the end of 2011 I had to ask them to reduce the payment further. The letter I received in response said: Dear Bradfordlad, I would like to thank you for making token payments on your account. To comply with the requirements of the Information Commissioner we are required to advise you that we will register your loan as being in Default with the Credit Reference Agencies". This is because you are only making token payments on your loan. blah blah blah..... So if the ICO required them to default me in December 2011 (when that loan was 8 months in arrears!), why wouldn't the ICO have required them to do the same when I started the AP with the Together loan in March 2012??!! Useful information, or interesting but irrelevant? BL
  11. Well, I'm resurrecting my thread - can't believe it's 6 months since I started this! An update - so I called nram and they did a budget planner and said I should pay them £80 a month to the arrears. I said the best I can manage is £30 a month, so they increased the direct debit accordingly from June. I'm now 3 months into the arrangement and it's bugging the hell out of me! The AP Marker on my credit file is NEVER going to disappear!! I wish I'd just told them to stick it back in 2010 when we hit rock bottom - almost everything else on the credit file has gone now, but this thing will be here forever. I've been doing a lot of research and, thanks in particular to dx100uk, I think a different approach is in order. I am going to contact nram (in writing this time) and ask them to issue a backdated Default on the account, on the basis that I am happy to continue making a payment to the balance each month, but that I feel I am being unfairly punished for the next 10 years, whereas if I'd defaulted at the beginning my credit file would be clear in a couple of years time. I believe Brigadier2JCS might be able to offer some advice on this front, if anyone can alert him to my thread please? If this approach fails, I will ask them to compromise, and capitalise the arrears, and as a gesture of goodwill to remove the AP marker from my credit files. I know there's no guarantee any of this will happen (unless someone knows differently) but I reckon if you don't ask....... for the benefit of anyone looking in, this is how the record looks on my Noddle credit report: Here we go..!
  12. Can't help with purplebricks unfortunately, but having a lot of experience in the housebuying process, I'd suggest you need to be on the solicitors case 24/7. They will probably be one of the "big" names, who tend to palm all the standard paperwork to offshore centres (i.e Mumbai). Bottom line - never go with the estate agents recommended solicitor unless it's a local firm that have a physical front door you can knock on (or kick down as necessary!!) Good luck
  13. But we all know that what lenders can/can't do, versus what they ACTUALLY do are worlds apart! I don't think it'd get past a judge if you were already making payments to the debt anyway. I'll start my own thread about the proposed letter in case anyone else is looking for advice. Cheers
  14. Thanks again! So the case comes down to this: nram should have issued a default notice when our loan was between 3 & 6 months in arrears. They didn't as we had an agreement to make reduced payments due to a self managed DMP. The arrears built up and 3 months ago I offered to reinstate full payment and £30 to the arrears. I will now argue that according to ICO guidelines, they should have defaulted the account, and I am now requesting that they do as they should have done, and issue a backdated DN to the date when the account hit 6 months arrears (Obviously I'll check when that was), on the basis that we are being disadvantaged for maintaining some element of payment. One more question then - as it's the unsecured element of a Together mortgage, would they be likely to try & secure the loan on our property? Presumably if we keep up repayment of the debt (accepting that the debt is wiped off just because they've defaulted) they wouldn't be allowed to secure it? Thanks so much dx
  15. Thanks dx - some of the posts are quite old and documents don't exist, but there was one interesting post by Brigadier2JCS http://www.consumeractiongroup.co.uk/forum/showthread.php?416296-Defaults-the-ICO-has-published-new-guidance-(Jan-1-2014).&p=4475253&viewfull=1#post4475253 Here he (?) states that NOT registering a default would disadvantage the debtor in comparison to someone who makes no effort to pay their debts but has a default entry removed from CRA files after 6 years paid or not. Is anyone aware of anywhere "official" I could quote this to nram? I've been googling it all morning and can't find a thing!!
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