Hi Apple, I am willing to help out as much as I can. I hear all the arguements regarding Deeds but how is one able to remove NRAM form the Land registry? Regards

Hello, I am the NRAM customer who UNRAM has told you about, I have been taken to court by NRAM and have been successful in overturning their repossession request. I (We, my wife & I) have been a Northern Rock mortgage customer since 2002, I started to have problems with them last year when my business took a dive and I incurred some arrears on the mortgage. NRAM let me go onto interest only which did help up until their decision in February this year. NRAM stated that as the mortgage had only 16 years to left to run I had to increase my monthly payments in February from £758.00 to £1295.00 so that the mortgage would complete within that time scale. I told NRAM I could not afford this and asked could they extend the term, they declined and said they were unable to do this because they do not have a banking licence, to which I replied then why are you charging me interest on money you did not lend to me! No Reply! I refused to pay the extra and continued to pay £758.00 each month until I was informed in April that they were taking us to court and had applied for possession of the property that we have lived in with 2 kids for almost 14 years. In May we went to court and I asked the Judge (Lady Judge) can NRAM provide a copy of my signed deed, signed mortgage contract & alleged CMS, the NRAM Lawyer could not help so the Judge adjourned the case and made an order to give me the documents that I requested. We went back to court in early June and the Judge (Different Lady Judge) asked had I received the documents to which I replied no, the NRAM Lawyer said they had not yet been provided to her. NRAM broke a court order! I proved I could afford the monthly payment as well as £150pcm towards the arrears, so the Judge suspended the warrant (Phew !) and ordred that I should be given the documents I requested previously under my SAR by the 20th June 2013. The documents did not arrive so NRAM have now broken a second court order. The Judge also ordered that we should go back to court (In front of her only) to review the situation on 5th August, however I must continue to pay the £1295.00 CMI plus £150pcm towards the arrears, I have and am continuing to comply with my part of the order. NRAM have since provided me with single sheet document that is my alleged Deed, it has signatures of my wife & myself as well as an independent mortgage broker, but no signatures from a Northern Rock Representitive! I have beaten NRAM twice in court and had the warrant for possession suspended but I have still not had all the documents I requested and we are back in court on the 5th August, at least it is not a possession hearing this time but it will be interesting. Any help from Applecart, Is It Me and all you other comrades out there is much appreciated. Yours faithfully , Mr P