Hello, I've been threatened by NRAM with repossession as I was behind on my mortgage. It was a Herculian effort to clear the arrears by Aug 1 - a day before the scheduled eviction. But I did. On that day, they told me that since I had paid the arrears, I could pay the August installment by the end of the month. Today, I received a text from them to contact them "urgently". So I did. They went back on their word, and said that August was already overdue. The woman on the phone was clearly not capable of handling the call, but when I asked to speak to a manager, she insisted she was perfectly capable of handling the call. She said that I had to make the payment in order to change the payment date. Not only was she incapable of seeing the flaw in the logic, she also refused to acknowledge the arrangement from two days earlier. I now intend to complain. Where do I start? I am happy to take this as far as possible, as NRAM has been unreasonably aggressive with me over the past three months. Many thanks.