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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. 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.
  4. 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
  5. 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
  6. 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).
  7. 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
  8. 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?
  9. 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
  10. How exciting. Those nice people at Rock Law who have been so nice trying to contact me from a Birmingham number - 0121 6152941 finally spoke to me today. Very strange because when I tried to call the number, it wouldn't ring. They were really keen to talk to me because they had been calling me repeatedly although strangely each time I answered there was silence. A loose connection I expect. Anyway, we finally spoke. Very nice guy called Gavin with a Welsh accent and he told me that he was in Swansea even though his number came from Birmingham very clever of these people to be able to do that
  11. Hi All Is there a difference between a court hearing for Possession and / or Repossession its probs a silly question and I know the answer but I ask because I have just recieved some paperwork re my court appearence on Monday 6th Dec, hence the title O M G. Mr Very Worried at the momment however I am sure that will change in the next few hrs.
  12. 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!
  13. 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
  14. 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
  15. When buying a new Apple device direct from Apple they now offer to buy your old device. You don't get cash, you get a voucher, which you have to spend with them. I therefore expected a decent deal, as usually you get a better deal if you accept a voucher. Not from Apple, I found a working, excellent condition iphone 4 was "worth" £25. To compare (I only checked 3 others): Envirofone £46 Mazuma £45 (or £49.50 if you accept a voucher) Envirofone via sellmymobile £50 Somehow, I expected better from Apple, I did not think they would offer so much less than other
  16. 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
  17. Hi everyone, Is anyone in the same situation or maybe I can get an advice? In 2007 I took together mortgage( interest only) with Northern Rock for £162.000 For the first two years we were paying interest only £865.30 at 6.35% After that in 2009 the interest dropped to SVR 4.78% so they recalculates our payment to £663.30.(interest only) We decided to keep paying the same original amount, and start overpaying the mortgage. Over months/years our outstanding balance was decreasing. In November 2013 I realised that the amount of interest charged has been the same
  18. Hi I was hoping the board can help, today i received Signed credit agreement from Northern Rock, which has the details as stated on one page, which include - interest payable, loan amount, total payable, interest, also signed by me and them. The problems now with them will only escalate as they have been most unhelpful to date and I think they will now start to hassle me for money I do not have. Any advise would be grateful. Thanks
  19. I have had a letter from Lowell regarding an old Northern Rock loan I had. When NR got into trouble and public money bailed them out, I wrote to them and explained that now the public owe the company, I (as a member of the public and therefore the boss) have decided to wipe the debt. I didnt hear back from them and now have Lowell demanding cash. I have argued that I don't owe them anything as my northen rock account is clear. I dont know how far I will get with this but this is how I have worked this, not sure if I will get away with it.... I read the 1882
  20. Hi Given the recent press releases from NRAM re the incorrect statements on their mortgages and unsecured elements would there be any case to revisit a repossession that has taken place between 2008-2014. The error relates to the unsecured element but any refund of interest may wipe out any arrears that led to the repossession. If anyone has any thoughts would be great. Thanks
  21. For full story: http://www.bbc.co.uk/news/business-30413572
  22. Some 43,000 borrowers are set to get compensation after a High Court ruling over the wording of documents sent out by former bank Northern Rock. Northern Rock Asset Management (NRAM), the nationalised "bad bank" remains of Northern Rock plc, will have to pay £261m in refunded interest. The case related to Northern Rock's "Together Mortgage", and questioned the wording in past loan documents. NRAM is now considering whether to appeal against the ruling. The total payout is expected to see each affected borrower refunded an average of about £6,000, with the total overall bill
  23. The state-owned arm of Northern Rock has brought a legal claim against itself to test whether or not it owes compensation to 43,000 customers who took out loans before the building society’s collapse. Northern Rock Asset Management (NRAM) is on Tuesday appearing at the Commercial Court in London in the hope of getting legally-binding confirmation that customers with loans of £25,000 or more are not entitled to have their interest payments returned or written off. One of the defendants in the case is named as Jeffrey McAdam, who leads unsecured debt recovery
  24. Just about to SAR Northern Rock, whats the best address to send it to and which template to use ?
  25. I need some genuine advice on my case before I look to escalate my case before the European ombudsman. I will be asking if there are fellow caggers that would be prepared to join me in what I would call a class action case. the issue itself, I have been pursued by wallers solicitors on behalf of what is legally known as nram or virgin media, one of the many different names that have been banded about regarding my case. it is my understanding that northern rock no longer exists as a business I need clarification on this, all of my mortgage repayments some 30k we
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