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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 be
  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
  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
  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 & char
  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
  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 thi
  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
  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
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