Hello Yours is by far the best angle to approach NRAM. Just wondered what the reply was from NRAM. If they bothered to reply at all?

Hi thereJust wondered if you had made any progress with your complaint to NRAM? The charges you listed are almost identical to mine! Did you ever hear back from NRAM? I also wrote a letter of complaint about the charges making matters worse for me; the next thing I knew, they wrote to me threatening eviction?

Hello thereJust wondering how you have been getting along? I too don't believe that I should be paying for Northern Rock 'bad' management with a SVR of 4.79%. I have just been taken to court by NRAM for a few thousand pounds arrears. Even though I was paying the full contractual amount. It back fired on them as the Judge went in my favour and lowered the amount I have to pay each month. Only 14 years and 5 months to go.......

Hello to youI have a together mortgage and my 5 year fixed rate of 5.89% ended January 2012. I am now on the SVR of 4.79%. I am happy to be included with this complaint. Excellent news!