Awesome, thanks for that i will get on to it right now, i have just spent best part of 90 mins on the phone to the person who was investigating the complaint because i recieved a letter today stating that it was closed. i ripped into him stating that i believed he hadnt investigated properly due to his response. i asked how come i havnt recieved any information about the actual mortgages, i managed to drum into him that when i bought the flat in June 2002 i had £73980 mortgage and £19020 unsecured loan but only used at that time £73980 and about £9000 from the unsecured amount to buy the flat, and in january 2003 we took the remainder of the £19020. Here is the part i got him to read over the phone to me...... In January 2003 when we took the remainder of the money Northern Rock changed the product/account from a together variable mortgage to a standard variable mortgage and they released funds to pay the existing account of £73980 mortgage and £9000 of the £19020 unsecured loan created a mortgage account of £83,381 and the remainder £10,000 unsecured loan and the figures had to be re calculated for a direct debit because we had now taken the whole £19,020 which meant we were paying a new combined monthly figure at a different interest rate right up until i sold the flat in 2004, with them redeaming the mortgage to the value of £85,111 which incorperates the early repayment. As far as we were aware we only had the remainder of the £19,020 unsecured loan to pay off which was under £10,000 by this point. We went on to buy our house 2004, and then in 2008 they have written to us saying we still owe another £10,000 from the £19,020 from the original mortgage account before they changed it to the second one as well as the £10,000 from the second one, and at the time we didnt know any better until this year when i have figured things out. i mentioned that if he was right why would it take 4 years to chase me up about the loan considering i was still paying the other under the new terms. and how comes this wasnt mentioned in 2003 under the revised new mortgage account when we were paying the combined monthly amount. his words were i think i have to re-look into it and email other departments, i said being as i recently got copies of 2 x letters from 2003 surely you can find all the relevent mortgage details and information about the change over!!!!

brilliant thank you

hey yeah when i spoke with nram customer services they were confused by it, doesnt make sense, just baffled as to how to sort it out

hey thanls, yes cou;d i have the SAR template please and how do i send them CCA 1974 section 77 request for your documentation relating to the unsecured loan, they claim liked to a mortgage but mot provided me with any of it

Hello everone i am posting here as it seems similar problem i have got with Northern Rock/NRAM, it is complicated so please bare with me and apologies if posted in wrong area but i really need some help advice. On the 19th may 2002 my wife/partner at the time attended a Northern Rock office in the city and after a meeting signed a credit agreement for a Northern Rock together variable mortgage to the value of £93,500.00 which was made up of a £73,980.00 secured mortgage/loan with £19,020.00 initial unsecured amount. For which an account with the reference 5XXXX-XXXXX was created, we purchased our flat for £82,200.00 which meant we used the sum of £8,220 from the £19,020 unsecured loan leaving £11,220 and any solicitors/mortgage arrangement fees came out of that leaving an amount available to draw down at any point we wish, roughly worked out in the region of £10,000.00. In any eventuality that we sold our property we would have a mortgage of £73,980 to redeem and an unsecured loan of £19,020 if we wanted to pay off as well as per details of our credit agreement. On the 6th January 2003 we have signed a draw down loan agreement to take the remaining £10,000.00p due to wife being ill in hospital with complications with our unborn child, which now meant we have fully taken the available £19,020 unsecured loan and had a mortgage of £73,980. On 16th July 2004 we sold our flat for £128,000.00p we were given a different account number of 5xxxxx-xxxxx to give to our solicitor to redeem our mortgage, I have realised a total of £84,975.00p was redeemed which is £10,995.00p more than the original mortgage agreement. Due to being young and naïve at the time we did notice any problems, and since selling the flat our old paperwork got destroyed. But it has come to notice when trying to get the remaining paperwork in order that there are huge discrepancies. Starting in January 2013 I noticed the different account numbers for 2 separate mortgage accounts, so I called NRAM and had numerous conversations and I managed to find out the below information: On 31st January 2003 Northern Rock have Shown Account Number 51350U-10392 with mortgage value of £73,980.00p as being redeemed leaving the unsecured loan of £19,020 still to pay, I did not sell my flat or re-mortgage on this date, and then on same day the 31st January 2003 Northern Rock created an account of 50450J-33398 with a mortgage of £83,381.00p and unsecured loan of £10,000. We did not take out this mortgage and would not need to take out another mortgage, as far as we were aware we only had a mortgage of £73,980.00p and unsecured loan of £19,020.00p which we used to put towards buying our flat and the rest was drawn down to assist with getting started. Since the years 2002/2003 we have been led to believe that only ever had the one mortgage and unsecured loan, I have since found out differently which means on 16th July 2004 we paid back £10,995.00p more than we should of on the mortgage and should have been taken off the unsecured element of our £19,020.oop loan leaving an amount of £8,025.00p unsecured loan left to pay, instead due to the admin errors from Northern Rock we for the last 10 years we have been paying off two separate loans that we should not of been paying and the majority of that being interest. There shpuld of been a remaining loan of £8,025.00p would have been cleared by now. All these notes are on the account system and also show when northern rock claim the mortgages were redeemed, I have a redemption statement from my solicitor for 16th July 2004 based on the account number given to us by Northern Rock, extra information As per my conversation a member of NRAM customer services I was given the following information My account No:51350u-10392= £73,980 mortgage and £19,020 funds for my flat were released to me on the 28th may 2002 and the agreement started on 1st June 2002, and thier system shows the mortgage redeemed on 31st January 2003 leaving the unsecured loan. I did not sell my flat until July 31st 2004. The other account that I have been paying is 50450J-33398 = Mortgage of £83,381 and unsecured loan of £10,000 with funds released 29th January 2003 and agreement start on 1st February 2003 with the mortgage being redeemed on 31st August 2006. I did sign a draw down agreement on for the rest of my £19,020 unsecured loan 6th June 2003 after at least £8,220 was put towards the £73,980 mortgage to buy my flat for £82,200 plus add on solicitor’s fees, leaving roughly £10,800 or less. I did raise a complaint to NRAM and my first response was that they will not uphold my complaint due to them believing that the figures were as a result of a re-mortgage, but i did not remortgage and told them that so the compalint was re opened again and i was told today that that it has been closed now as they are standing by their decision. I have contacted FOS and have to fill out a form and send it to them tomorrow..... ANY HELP or ADVICE would be great thanks