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bcg

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  1. PS DO NOT LET NRAM APPLY FOR A CHARGING ORDER ON ANY PROPERTY YOU HAVE. The GOOD thing about the TTP order is that it is not a Judgement, so you will not have a CCJ, although it will show up that you are in arrears on your credit file.
  2. Well KEEP CALM. You have your application, how much you owe and your financial statement. Some faith and that is all you need. Do not say too much. Let the Judge do all the talking. Answer his questions simply. If you agree with NRAM how much you owe there should be no problem. The courts have a duty NOT to allow the claimant to over charge on costs - its CPR Objective 1 - go to hms court service online and look it up. NRAM are really difficult, you just have to patiently move forward. Do not let NRAM claim for any costs!! Reply if necessary that your reason for a TTP order is because you want to spend as much money as you can on repaying your debts. Believe me, they will try it on. Even if you do not agree at that moment what the Judge says - let it go - with TTP you can always go back at a later stage. ( DO NOT SIGN A TOMLIN ORDER IF NR ever offer one -) I have my TTP last Friday - I did not agree with all the Judge said, but to appeal is extremely difficult and I always have a chance to return at a later date.. mind you for the moment I am keeping really silent on the subject as the Judge removed £30,000 plus of NRAM costs. I have 5 TTP Orders now, and things should begin to return to normal. Be kind and let me know how you get on. Shalom. Peace.bcg
  3. Just Time to pay under the CCA regulations. "Application for a time order under the Consumer Credit act 1974".1. Ensure you put in financial statement of in and outgoings.2. Make sure NRAM have the correct amount due - very bad at doing this. and 3. keep all your paper work.4. If it is going to take you 20 years to pay, then an IVA is the best route and Payplan or cssc are the best to do it for you. If it on a mortgage, then there are government schemes to keep you in your home and NR should tell you about them.5. Well right to be nervous - NRAM pull out all the guns and use highly paid counsel to cloud the issue for the Judge.6. After win - TTP order extended the time to pay by 3 years, not perfect, but got all the costs for the claimant removed.Never mind about asking me anything. Bcg.Just read your last post : ALWAYS keep a receipt of the court taking your info - just ask them. If it comes to a ttp and you are required to put in a court bundle, then always get a receipt. .AOLWebSuite .AOLPicturesFullSizeLink { height: 1px; width: 1px; overflow: hidden; } .AOLWebSuite a {color:blue; text-decoration: underline; cursor: pointer} .AOLWebSuite a.hsSig {cursor: default}
  4. Ignore all - go striaght for a Time to Pay Order through the courts - costs nothing if you are on benfits that qualify. It is not in the banks interest to admit anything - if they did the flood gates would open. TTP under Consumer Credit Act 1974 s 129 - and Consumer Directive 2010 inforce 1 february 2011 - you are just in time. Let me know if I can help further - Relax, go and be kind to yourself, Dont take it too seriously. Kindest Christian
  5. Go and get yourself a Savings Account anywhere - no problem with that then you can change later when things improve. At least your are still maintaining a history of finance and you can withdraw cash and wages can be sent to the account if you need it that way. What did you actually ask for in Nat West because With an IVA what you cannot have is an overdraft a cheque or a debit, credit card.
  6. You are one of thousands... Sandander have been issuing fixed loans in the place of the flexiloan - 1. Terminate the flexi loan by writing to Santander. 2. When they issue you the new statements for the fixed loan account, within 14 days write and say you wish to cancel, you do not have to provide a reason. Consumer Credit Directive 2010 in force 1 Feb 2011 ! 3. Put all details to FOS and wait and wait, and dont pay any more on either account. 4. Under CCD 2010 the banks have a duty to check creditworthyness before issuing a new loan. They can see mine is rot, so they should not have issued it. 5. All else fails it is an IVA or Time to pay through the courts. 6. Dont take life or yourself too seriously - no one else will. 7.Dont waste any more time on aiming to agree with Santander, its not worth your precious time. Trust this helps, get in touch if you need to. Kindest Christian
  7. See my reply below to low income : Get a Time to Pay order through the court - do not waste any more time on NR
  8. See my reply below to low income : Get a Time to Pay order through the court - do not waste any more time on NR
  9. Hi, I am at the end of a 3 year battle with NR - if you are not strong go straight to an IVA. If you are willing to ' put a bit of effort into it'. Go straight through the courts for a time to pay order 1974 CCA s 129- simple. Except the NR do not like providing CORRECT statements of accounts under S77 1974,2006 Consumer Act (get reading loads on BIS and Ministry of Justice and hms court service). If the account is not stiputed then its Fastrak and the most is £500 costs. NR rock do not want a disputed claim so they say they are in dialogue, which is great then they can not charge for their extra costs their solicitors incur. It is always possible post judgement to complain to the court and SRA and FOS. Up to you - worth the stuggle or take the easy road, Even if you go for a IVA, and have property, if there is not too much equity you can stilll keep it. Let me know how you gert on, Kindest Christian
  10. Anyone / Consumer Forum? know whether the new CCD 2010 in force 1 Feb 2010 applied to all unsecured fixed loan agreements whenever made? The bank says they do not.
  11. What you have received is not a regulated statement of account. The regulated account under 1974, 2006 CCA has to be in amortised table since 2004 - not done by NR - and has to separate the credit amount and interest amount s 77A - not done by northern rock in prescribed format under the acts! With all of 'our'money they have at their desposal one would think they would employ people who know the law - the problem is that old style agreements were 'front loaded' and on my loan of £15,000 they made and extra £4000, so you can see why they do it this way -
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