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  1. I had a loan account with Northern Rock which I defaulted on and they subsequently sold it on to Cabot. The account has been staute barred for about 15 years. I recently made a tentative equiry regarding PPI, via a claims company, as I heard that it shouldn't affect the statute barred status. I have been advised that Northern Rock have accepted the claim and a refund of approx £1100 is due and will pay it directly to myself. They also say that they will advise Cabot to update their account details too. To receive the refund I have to sign an acceptance form which says that
  2. Hi I had a mortgage with Northern Rock from 1998 for about 3 years. It came with PPI which I was told was not optional. The mortgage was sold directly by NR there was no broker. It was paid as a single 'mortgage' payment. I approached NRAM but they said that the PPI was provided by Aviva and that I should approach them directly. I have found no way of doing this. Is there any point in my pursuing this? Thanks Gav
  3. From May 20th 2018 - TL and GN started running a new timetable which was much publicised. However for 2 months they had severe operating issues which fell below the usual standards of service that is expected. A statement can be found below; Millions of people will have been affected by this - Whether you are a tourist or a regular season ticket holder then you will have had to endure persistent overcrowding due to cancelled trains / revised trains, lack of rolling stock / trained drivers, etc. Thameslink and Great Northern are offering up at a maximum of 1
  4. A family member had a loan with Northern Rock. She requested a CCA from them but never heard anything from them. Northern Rock was taken over by NRAM and that was 11 years ago. They have now been contacted by NRAM saying about the Northern Rock loan was being passed to Cabot and for them to contact Cabot regarding the loan. Is it best just to ignore the letter and if they do take it to court go for the Statue Barred letter? Thank you for your help.
  5. Hello,, Today I received a notice of intention to prosecute from Govia Thameslink Railway after an incident on Northern Rail back in January. I am extremely extremely worried about this incident and it is causing me great upset. I have read around on this forum and have prepared my response below to the notice of intended prosecution, please can you offer any advice on what I should / should not included and also indicate what the repercussions of this could be? Is there anything else I should do like ringing them etc? Any help is massively appreciated! RESPONSE
  6. I've been trying to get information about a mortgage my husband had with the Northern Rock from the mid 1980s to 1998. He was sold PPI and home insurance and was told he had to buy it from them as they wouldn't give him a mortgage if he didn't - the usual story. I remember ringing them about the insurance in the early 1990s as it was absolutely extortionate, very expensive and much more cover than he needed for a two-up, two-down terraced house. We've looked everywhere for the paperwork but think we must have lost it when we moved house six years ago. I rang the solicitors we
  7. Morning all, Just wondering if anyone can see anything wrong with this agreement which might render it unenforecable? Thought i had read something a while back regarding the ppi needing to be outlined seperately as opposed to being set out as here. If there anything else anyone can see is not right also, please say. This might be a bit of a tricky one if is not enforecable (long story) will fill peeps in at later date once know basics of where stand with it. Many many thanks as always, Mpols x im very aware how busy the forums are at the mo, so just going
  8. NRAM (Northern Rock), dodgy documents and agreements. Hi and thanks to all who contribute to this site. Flushed with success at my PPI refund with another Ex creditor I thought I'd start on my NR mortgage. In 2006 I re-mortgaged my house with NR to pay off a previous mortgage and some loans (taken out with NR). The present account is not the 16 digit account that I read about though I can only find the mortgage offer and not the agreement. Also I believe that there is PPI on some of the other loans I had with them in the past (and perhaps the current one).
  9. Please help! In May 2004, I took out a single mortgage with Northern Rock a 'Together Mortgage', totaling £112K. Northern Rock incentivised the ‘Together Mortgage’ with the availability to take out secured loans against your property, for buying household items etc. Northern Rock advanced me four secured loans on the property, totaling £21K, which increased the mortgage to £133K in 2006. Due to the collapse and reckless lending of Northern Rock, the property is now in negative equity, with the property being valued at £120K. With this the mortgage/loans were transferred to an organis
  10. the biggest CME storm in 45yrs is going off you should easily be able to photograph the northern lights anywhere in the UK if you look north ish around the plough star formation its going off all night as far down as cornwall. remember long exposure +30secs focus set to infinite and auto focus set off the further north you are the more chance of it to the naked eye too.
  11. People need to keep their canine companions under good control. http://www.bbc.co.uk/news/uk-northern-ireland-40480096 IMHO, if a dog attacks a postman, then it wont be long before it attacks a child !
  12. i had a mortgage for a while with northern rock and am pretty sure i had ppi but have no docs left to prove this - what can i do to check this out?
  13. Hi, Like many hundreds of other borrowers with Northern Rock Together Mortgages, we have an unsecured loan for an amount in excess of £25k which we took out prior to 2008. The unsecured loan paperwork states that it is covered by the CCA although NRAM are now trying to argue that this is not the case (because the amount exceeds the limit that was covered when we took the loan out). We, like many others, have complained to NRAM to no avail and now approached the Financial Ombudsmen for help. However, everyone so far seems to have been fobbed off in a manner which the
  14. Hi all, Well where to start! I was issued a parking. Charge notice by NPS on 27th December. I parked in a car park my work has use of with a valid permit. On the 27th I displayed my permit yet this must have fallen of the dashboard as after I left work I noticed the notice fixed to my window. I didn't appeal within the timescale set for a few reasons yet mainly as I assumed that they where Cowboys. Despite trying to appeal to their good nature in saying that I HAVE a valid permit yet it simply fell off, they are sticking to fact that no per
  15. Hi all, Can someone please tell me if this loan agreement is enforceable? It was signed in 2004. There is about £5500 left. I realised they charged the interest upfront. Its now with Cabot/Marlin I have been paying for the last 6 years on a DMP as well. But is getting rid of the DMP as I cant afford it any more. I cant seem to post links or images yet but I will try. might just need a copy and paste. 1drv.ms/21Dingp Thanks a lot!
  16. Dear All, This is my first post so please excuse me if it's in the wrong section etc. I had a property repossessed in 2010 & the mortgage was with Northern Rock. All relationship with them had broken down & I ended up leaving the property vacant before the repossession date & have never been back to it since. I locked it & walked away After a few months I checked Zoopla & the property had been sold at a ridiculously low price therefore leaving a substantial shortfall. I've never heard a word from NR until a strange letter arrived at m
  17. Northern Powerhouse department to close office in Sheffield and move 247 jobs to London Read more: http://metro.co.uk/2016/01/29/northern-powerhouse-department-to-close-office-in-sheffield-and-move-247-jobs-to-london-5651943/#ixzz3yiz1scce
  18. Hi, I have recently split with my partner and still co-own a property in England. However, I have recently moved to Northern Ireland. I have received court papers (old credit card debt last dealt with in mid 2010) through Northampton to my old (still mortgaged) property in England which my ex has forwarded to me. What can I do? Will I have to attend court in England? Can I make them move the claim to Northern Ireland - will they have to discontinue with this claim as I no longer reside there? Can they continue to pursue me through the English address as my name is still on the m
  19. I am in credit card debt with the Nationwide of £5400, through illness, too many priority bills to pay. I asked Nationwide for CCA and they couldn't provide it several times. they sent me the application form. I put in a complaint to FOS and informed Nationwide that I wanted to pay the debt, but on condition that the interest was frozen. Also got a letter from FOS to say it will take 12 weeks and to let them know if any legal claims were made to me from Nationwide. I have just received today by post, an ordinary civil bill, from a solicitor, who also informs me that i
  20. After defaulting on an £18,000 unsecured Northern Rock loan they obtained a CCJ in Bradford Crown Court in July 2009. They then registered a charge on my share of our home with the Land Registry. In October 2009 I was declared bankrupt and included this loan in the bankruptcy. I have made no payments or made contact with Northern Rock or Marlin Europe since then. I was advised that the debt had transferred to Marlin Europe and they are now chasing me for payment. I have received a "notice of application for attachment of earnings order" that looks like it has
  21. The Aurora Borealis - better known as the Northern Lights - has been visible over parts of the UK. Can you believe this. First of all the Super Eclipse Blood Moon now a chance to see this. In one year.Maybe a month. I am so happy i could sing, dance.Spin around and may just do one or all of these things. Believe there are chances to see it for the next few weeks. Now i know there are many photographers in these rooms on the CAG. Who can take a fine picture. If any of you whether mobile or digi camera sees this Aurora in the skies over the next few weeks could you p
  22. Hi all hope you are well. Today I received a letter from Northern Rail's Debt Recovery and Prosecutions Unit. It's regarding the end of July when I traveled from Hadfield to Glossop by train. The ticket office was closed, and the ticket machine only accepts card. I was carrying cash and fully intended to buy a ticket. When I cannot get a ticket in this situation I simply get one in Glossop. When I got off the train I saw two northern rail uniformed staff, I approached them to get a ticket. At this point they told me I had committed an offe
  23. More than 40,000 British borrowers are in line to get thousands of pounds in compensation after the High Court ruled against former bank Northern Rock in a test case over the wording in past loan documents. The court judgment said about £258m could be paid out in compensation by taxpayers, as the government now owns the part of the bank that made the loans. The amount is more than Northern Rock’s highest estimates. The payments will go to 41,000 former Northern Rock customers - at an average of £6,300 each - and are likely to prompt other banks and the regulator
  24. Hi, I have recently been asked to give my details for dodging a train fair for a second time. Admittedly they were different circumstances. However because this was the second time this has happened (the first time I had to pay a fine) I was worried i would be sent to prison or get a criminal record so I gave false details. I quickly withdrew these details after further questioning and admitted I had lied. But because this is the second time they have pulled me up, and because I gave false details to start, will I get a criminal offence? Please anyone that has any experience with this I would
  25. Last year the social fund contacted me and stated i owed £500 from 1997-98 in the UK. I did the usual SAR, Dispute etc and they were unable to substantiate the debt. They still started taking £15.00 out of my ESA every two weeks despite my objections. After transferring to Northern Ireland and my ESA is back up and running, the Northern Ireland Social fund has sent me a letter. They state i owe the social fund £111.00 and must pay it back at £7.19 a week Northern Ireland has not recognised the Governments welfare reforms so we still have the social security office, not the DWP.
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