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    • Yeeeeees! Well done on your victory!  👏
    • Hearing held today in court. I attended in person and Evri had an advocate attend on their behalf to defend their position that my contract is with Packlink and not with them. I also provided a copy of Evri's terms and conditions which explains that a contract is entered into when a parcel is sent with Evri. The judge pointed this out to the Advocate and agreed there is a contract between me and Evri under the Ts and Cs. The judge explained that while Packlink are responsible for organising the delivery of the item, it is Evri who are responsible for handling the goods and delivering them, and therefor Evri has a responsibility to handle the goods with reasonable care and skill. So am pleased to say the judge found in my favour. Hearing lasted about 75mins. Evri has been ordered to make payment within 21 days. Also nice to meet @jk2054 in person.
    • Good morning,    I just wanted to update you on the situation.    I have visits piling up with my current employment and they need doing before I finish at the end of this month.  I am moving to Wiltshire in 3 weeks for a new job helping care homes with their Dementia patients. I tried to work it out and at a guess I will be doing about 20-25,000 miles a year. So need a vehicle that can cope with that mileage, my old car would have done it easy but 🤷‍♂️ I have taken out a loan and got a friend to find me a reliable car that can cope with the miles and hasn't been written off in the past.   I phoned Adrian flux to see if I could use the last months insurance on a new car I have bought, the girl I spoke to phoned Markerstudy and asked them but they said no, my new car doesn't have any modifications.    I had an email from someone who saw one of my appeals for information, they live near the site of the accident and know a nearby farmer who has a security camera at his entrance that catches the traffic and specifically registration plates as he has been robbed before. They said they would reach out for me and see if he still has the data. Unfortunately it wont catch the scene of the crash.   The Police phoned me and said they were closing the report I made, even if they found footage of the vehicle at the time I said the actual incident would be my word vs theirs.  My first response was I am sure google maps would show that they turned around at that location which would verify my version of events, but upon reflection I do understand, I have seen people doing make up with both hands while driving, eating from a bowl steering with their knees and veering all over the place. I am sure some of these people go off the road and claim that someone forced them off.    Markerstudy phoned me yesterday to say that my car is now at Copart, the £80 tank of Vpower diesel was emptied on entry to the site for safety reasons, which I get but it sucks.  It is awaiting being assessed and shouldn't be too long, which is a relief.  I am really glad things do not seem to be going the way of the other stories and they seem to moving quickly.   However I was informed that my car was a structural write off before I bought it - this destroyed me, I was almost sick.  and this is going to affect any offer of money - after hearing the first statement this didn't affect me.   They need to wait for the assessor to check it over but it is highly likely to be written off and the maximum they can offer is £2300.  I was desperate for a car as I was working for an agency at the time, no work no pay, and did not do a vehicle check because I didn't know about them.  The seller did not tell me that it had been structurally written off, he told me that it had the front wing damaged while parked and was repaired at an approved repairer.  Markerstudy records state that it was sold at auction, no record of repair at an approved repairer.  I bought it bank transfer with hand written receipt.    It gets worse.    It turns out my airbags should of gone off. For some reason they are not working. I think we can figure out why.  If I had hit that car head on and had no airbags.    Some good news.    I can arrange a time with Copart to go and take my stereo equipment and any personal items that are left in the car only. I cant live without music and need quality sound, my speakers and amps are Hertz and JLaudio, (no I am not a boy racer with booming subs, I am an audiophile on a budget) I was really worried I wouldn't get them back so this is a huge relief for me. It is stuff I have built up over years of saving and collecting. Everything to do with the vehicle and mods I have declared need to stay to be assessed.   The accident has gone as a fault on my record, I have to remove 2 years NCB which means I still have some to declare which is good.  So it appears at this point that it may be resolved quickly, not in the way I was hoping, but not as bad as I presumed it was going to be based upon that tow truck drivers attitude and behaviour and the horror stories I read.   I am not going to buy the car back and try to make money with all the parts on it, I don't have the time or energy.   I may need an xray on my back and neck.  The whole situation has left me feeling physically sick, drained and I need it done.   The lesson learnt from this  -  My conscience is 100% clear, my attitude to safety and strong sense of personal responsibility - A rated tyres even if on credit card, brake fluid flush every year, regular checks of pads and discs, bushes etc, made avoiding what I believed to be a certain broadside collision possible.   Get a dashcam (searching now for the best I can afford at the moment)  -  Research your insurance company before you buy  -  Pay for total car check before you go and see a car and take someone with you if you are not confident in your ability to assess a vehicle.      Thank you to everyone here who volunteers their time, energy and information, it is greatly appreciated.  You helped my sister with some advice a while ago but we weren't able to follow through, she is struggling with long term health conditions and I ended up in hospital for a while with myocarditis, when I got out and remembered it was too late.  I am going to make a donation now, it is not a lot, I wish I could give more, I will try to come back when things are on a more even keel.    Take care
    • It seems the solicitor has got your case listed for this “appeal” but not for the Stat Dec(SD). You need to ensure you can perform your SD on the day. If you are able to make your SD in court, the situation you are in now is more straightforward than if you made your SD via a solicitor. You have been convicted of two offences (and two were dropped) via proceedings of which you were not aware. The way to remedy that is to perform an SD. No appeal is necessary (nor is it available via the magistrates’ court). If you are able to make your SD this is how I see it panning out: You will make your SD to the court. The court must allow you to make it as it will have been made within 21 days of you discovering your convictions. You will then be asked to enter pleas to the four charges again. At this point you should plead not guilty to all four but make the court aware that you will plead guilty to the speeding charges on the condition that the FtP charges are dropped. The prosecutor will be asked whether or not this is agreed. In my opinion the overwhelming likelihood is that it will be. If it is you will be sentenced for the two speeding offences under the normal guidelines. In the unlikely event it is not accepted,  the speeding charges will be withdrawn (they have no evidence you were driving). You have no viable defence to the FtP charges and so should plead guilty. This will mean 12 points and a “totting up” ban (as you have already suffered). You can present an “Exceptional Hardship” argument to try to avoid this (explained below).   Because of this, I don’t see any need to make an argument to ask to have any ban suspended (pending an appeal to the Crown Court) unless and until you are banned again. The only reason I can think the solicitor suggested this is to secure a (Magistrates')  court date. I was surprised when you said you had an appointment so quickly; a date for an SD usually takes longer than that. However, if you can use it to your advantage, all well and good. I can’t comment on the argument that the two speeding offences were committed “on the same occasion” as I don’t have the details. That phrase is not defined anywhere and is a matter for the court to decide. It’s an interesting thought (and only that) that such an argument could equally be made for the two FtP offences. If the requests for driver’s details arrived at your old address at the same time, with the same deadline for reply, it could be argued that you failed to respond to hem both “on the same occasion” (i.e when the 28 days to respond expired) and so should only receive penalty points for one. Hopefully you won’t need to go there. I think you have information about avoiding a “totting up” ban. But here’s the magistrates’ latest guidance on "Exceptional Hardship" (EH) which they refer to: When considering whether there are grounds to reduce or avoid a totting up disqualification the court should have regard to the following: It is for the offender to prove to the civil standard of proof that such grounds exist. Other than very exceptionally, this will require evidence from the offender, and where such evidence is given, it must be sworn. Where it is asserted that hardship would be caused, the court must be satisfied that it is not merely inconvenience, or hardship, but exceptional hardship for which the court must have evidence; Almost every disqualification entails hardship for the person disqualified and their immediate family. This is part of the deterrent objective of the provisions combined with the preventative effect of the order not to drive. If a motorist continues to offend after becoming aware of the risk to their licence of further penalty points, the court can take this circumstance into account. Courts should be cautious before accepting assertions of exceptional hardship without evidence that alternatives (including alternative means of transport) for avoiding exceptional hardship are not viable; Loss of employment will be an inevitable consequence of a driving ban for many people. Evidence that loss of employment would follow from disqualification is not in itself sufficient to demonstrate exceptional hardship; whether or not it does will depend on the circumstances of the offender and the consequences of that loss of employment on the offender and/or others. I must say, I still do not understand what the solicitor means by “As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge.” When they speak of “leave of the judge” I assume they mean they have lodged an appeal with the Crown Court. I don’t know what for or why they would do this. It seems to follow on from their explanation of the “totting up” ban. If so, I’m surprised that the Crown Court has accepted an appeal against something that has not yet happened. But as I said, i is no clear to me. Only you can decide whether to employ your solicitor to represent you in court. If it was me I would not because there is nothing he can say that you cannot say yourself. However, I am fairly knowledgeable of the process and confident I can deal with it. That said, I do have a feeling that the solicitor is somewhat “over egging the pudding” by introducing such things as appeals to the Crown Court which, in all honesty, you can deal with if they are required. I can only say that the process you will attempt to employ is by no means unusual and all court users will be familiar with it. I can also say that I have only ever heard of one instance where it was refused. In summary, it is my view that it is very unlikely that your offer to do the deal will be refused. If it is accepted, you may be able to persuade he court that the two speeding offences occurred "on the same occasion" and so should only receive one lot of points. Let me know the details (timings, places, etc) and I'll give you my opinion. Just in case your offer is refused, you should have your EH argument ready. Whether it's worth paying what will amount to many hundreds of pounds to pay someone to see this through is your call.  Let me know if I can help further.    
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Do you have a Northern Rock Together Mortgage? Read This.


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Hi there,

 

Think i posted in the wrong place earlier.

 

I have been reading this thread with great interest. I have a Together Mortgage with NR and am too in the same boat.

 

I was told over a year ago the the unsecured part of the mortgage was claimable as it was unlawful and i did have a solicitior looking into this but have not heard from him since Jan , even though i have case and he said i had a case.

 

Has anyone has any positive news on this? Has there been any updates at all?

 

I am in the process of selling my flat and paying off the mortgage but would love to know if there is any chance of claiming.

 

Many thanks and wait to hear

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  • 1 month later...

Hi

 

Just discovered this forum and very interested to read that its not just my wife and I who have had this experience.

 

In 2005 we took out a Northern Rock Together mortgage on the advice of an 2 X IFAs (how naieve were we!) Fixed rate ended last year and we are paying 4.79%.

 

Loan was £30K - and the paperwork says that it is covered by the CCA 1974, which covers loans up to £25K. They are in breach surely?

 

Plus we can transfer the mortgage to another mortgage provider, and the loan stay with NRAM. This would mean they have a £30K unsecured loan on their books. Let alone the fact that the interest rate would double - surely that is loan sharking...

 

Anyway, has anyone any advice??

 

Should we be seeing a solicitor?

 

Should we move our mortgage and just stop paying the unsecured loan??

 

I guess we are luckier than most as (including the US loan, we are in positive equity - just), but I am keen to get some options ont he table.

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  • 2 weeks later...
  • 2 weeks later...

hi i am in this predicament as well re comimg to end of our 5 year fix and have been told about the xtra interest on top. please email me m a r c i b b s @ h o t m a i l . c o . u k i am happy to take legal action as well

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  • 3 weeks later...

I am also keen to follow up and assist with any claim.

 

Could you please provide me an update asap.

 

If there is a group claim being submitted im happy to assist both time and finance where i can.

 

Thanks

 

Matt

 

P.S. Fatdog you seem to have got the furthest with this is there anyway of contacting you?

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  • 2 months later...

I really hope this helps and we together! excuse the can get somewhere. This has been the cause of sleepless nights and like others before we get the messages of "you knew what you were doing" you are right, but I didn't know that Northern Rock would collapse and they would then adopt a "get rid of customers" philosophy which was the plan as stated by the government.I also do not want the loan written off, well I do but I realise that the best I can get is a fair deal.Our situation is secured part been paid off for threey years so am now paying 5% above SVR on £30k meaning in all paying back over £90kI have had the credit agreement looked at and it was deemed fair. This was done by a no win no fee company so I will never know. I have been to the ombudsman (excuse the spelling) and they have deemed that NR have no have no complaint to answer.I have been to my MP (LIB DEM HAPPY TO BE IN A COALITION SO NOW MUCH USE). He wrote to the Treasury being publicly owned and to quote the Treasury "The objective is to create value for money for taxpayers as shareholders, This means the Government will not intervene in commercial matters such as pricing as product design" To translate, if it makes money, we will turn a blind eye!I am at a loss with this so would love people to get together to come up with a plan. If I was still a NR customer I wold have no complaint. My isuue is when my fixed deal came to an end, NR sent me a letter saying now on SVR (INCREASE IN MONTHLY YMENT OF £450 APPROX) and there are no other deals to offer you so you should explore other lenders.I am determined to fight this so am happy to exchange details. My next plan is to explore a lenders "duty of care" I bought a flat for £141k and they lent me £153k However it was worded they knew that they were giving me more money and putting me straight into Negative Equity. I then moved to a house costsing £221k and they lent me £240k.. The same again. If people state it was a mortgage and a loan, codswallop, on paper yes, they knew it was for the house so it was a mortgage!I phoned NR and asked for a mortgage, I didn't ask for a mortage and a loan! Interested to hear any info apologies for waffling.

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  • 3 weeks later...
  • 2 weeks later...

Hi...

Myself and my partner were recommended Together Mortgage by a broker which we took out in 2005, rang them in 2008 with regards to applying for a new mortgage because we were coming to end of fixed term, told we couldnt have one, but that our mortgage would shortly be going up from £900 to £1200 a month! Had no choice but to sell, and we then got stumped with the ERC of £3795 plus had to pay back £1000 of help with costs, even though we were only 5 months short of the fixed term. Then they had the cheek to write to us saying they hadnt requested enough in the shortfall and we had to pay a further £700. After looking at what we paid them we had to also pay a valuation fee of £335, an arrangement fee of £695, an application fee of £75 thats when buying! When we sold we had to pay a discharge fee of £250 aswell! Are all these charges right as we feel N~orhtern rock have well and truly screwed us over!!

We genuinely feel we were mis sold this mortgage and on our key facts statement it says that this company has recommended we take out this mortgage, is there anything we can do does anyone know?

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  • 2 weeks later...
  • 1 month later...

Hi, where do I start!

Reposession has been threatened for nearly 2 years now. THey dont know what to do with it, NR that is.

Original mortgage taken out in 2004 for £169000

Together one with unsecured of £30000

 

 

Within a year of the above they lent a further £20k, £44k and £6 k !!!!!!!!!!!!!!

 

It came out of the fixed period a year ago.

 

Cutting it short, i am now divorcing my husband as he was and IFA, dealt with it all, completed the forms fraudulently and i dont want to be held liable for anything other than the originla cost of the house. I have argued this with NR and they told me to report him to the police to be investigated. I did, but northern rock said because the police say its a civil matter between NR and him, the police wont look into it...so neither will NR!!!! The police gave them a crom number etc but they have shoved it under the carpet!

 

NR gave us 125%LTV and a further £80odd k within a year on him self ertifying his income and incompletely filling in application forms etc full of lies that had NR checked the previous applications they woudl have realised! YES, dumb old me, i just signed what he put in front of me, but may i add i have a disability along with bipolar disorder and was wuite ill at the time.

 

I am trying to get all the loans off this and just be held liable for the original house price. Difficult as said above to remortgage from 125%LTV not to mention i am on benefits only.

My ex has also various charging orders against the property as...wait for it....he has a further £110k in loans and credit cards!!! IDIOT!!

 

I Want to get his name off the house so he cant put further loans against it, but i want him to still be liable to pay towards it, not sure if this can happen.

 

i have been agreeing reduced payments fo0r the last 2 years but this has now made over £13k arrears. I am thinking to stop paying and let it go to court for a judge to decide what to do with it ,

 

I agree the CCA can only cover £25k so how can it apply to these??

thanks and good luck all

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Just to add to the above, this total of £285k is on interest only, always has been and is currently £1100 a month, I am on benefits! TO change it all to capital and repayment with them would bring it up to £1700 montlhy!!!!!! I seriously need advice and help please. I have struggled for 2 years with family help but now i need an end to it!

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  • 5 weeks later...

Hi, I have just tuned into this as I am at breaking point with stress caused by this "together mortgage".

 

I brought a 1 bedroom flat at the height of the market in Janurary 2007, and was advised that the together mortgage was the best offer for me, as I didnt have enough of a deposit to get on the ladder. I went on a 2 year fixed interest only mortgage and have been stuck ever since!

 

I now have a fiancee and daughter of 2 1/2yrs, and we ran out of space a long time ago. Our daughter still sleeps in a cot but is quicky out growing it an we have no room to put a bed for her! We sold the flat at a loss but that all fell through at the last minute. I was selling for 88k but that just about covered the mortgaged amount - the loan would become detached and go upto 12% on repayments!

 

Now I am having trouble getting a buyer, NR have said that I cant sell for less than the mortgaged amount, nor can I change to a buy to let as the mortgage is no 70% or less than the flat value and the rental income wouldnt be 120% of the mortgage repayment! I find all this out after their advisors looked at my account and told me that I could switch to a buy to let!

 

We desperately need out of this place but there is no help or advice out there for us...this is the first positive thing I have come accross!

 

Please message me if this is continuing as I would be very interested to join a group and take this forward.

 

Fat dog, if you are still involved with this please let us know how things are going and whether or not you have gotten any further with gaining group support for what could be a break through for "Together" customers out there.

 

Kind regards

 

Chris.

 

P.s This is the first time I have used one of these forums so not entirely to sure how to communicate.

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Hi my wife and I also have a together mortgage which includes a £30k unsecured loan. House is up for sale at the moment and we are on svr. If and when we sell, the interest on the unsecured element will rocket. We feel that NR have got us in a no win situation. We can't remortgage with them when we move and we will be forced to pay more interest on the £30k. One option would to be to pay off a significant chunk when we sell but then we would have no deposit for our next house and so back to square one after over 5 years but with circa £15k hanging over us at about 11%. I think the terms and conditions of the loan for be fair enough if NR would let us remortgage with them, but they won't because we are now part of their bad mortgage book!

I would be interested in taking part in an action group. We are in a better position than some of the above posters as we can more than afford the mortgage at the moment, but the way the market has turned out together with the clauses off this agreement mean we are being penalised and feel like we are being treated like people with bad credit and will end up paying more interest ultimately affected the choice of our next house.

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  • 2 weeks later...

Hi

I am asking this not on behalf of someone but for my ownreasons. My son following a bit of a messy divorce and bankruptcy about 2 yearsago met this girl and has been living with her for about 10 months. Iunderstand that he gives her so much towards the mortgage per month.

5 Years ago this girl and her then boyfriend bought a houseusing the together mortgage. When the boyfriend left about two years ago shetried to get his name taken off the mortgage but was told that that wasimpossible. The fixed rate is now coming close to finishing.

My son and this girl are now looking into getting a housetogether but here’s my problems.

Is it true that NR would not amend the mortgages just ‘freeze’a name on the mortgage.

She as been advised to pay off the loan part before applyingfor another mortgage. House value about 110K, Mort about 90K and loan about12K. These figures are what I have gleamed from her. The chances of my sonbeing allowed any part of a mortgage are slim although he as not had credit for2 years and she can have the mortgage on her salary. From what I can gather itis possible for him get a loan to pay off the loan. So is it possible to paythe loan off after this fixed term period.

Because she only talks about her mortgage and when she buysa new house, I’m checking!

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Hi, I would imagine the loan is still payable. The only implication of the fixed rate period ending is that the interest rate is now at standard variable. Best thing to do is call NR but I would hope and imagine it is possible to pay off. The only downside I can think of is that her boyfriends new loan will be at a much higher interest rate than the current NR rate and the length of the loan will be much shorter making it more expensive from a cash flow point of view as well.

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  • 1 month later...

Hi,

 

Also have the same problem as everyone else here.

 

Mortgage £97,000

Unsecured Loan £30,000

House Value £115,000 so in negative equity of £12,000.

 

Mortgage was taken out on fixed rate 6.9 percent, in April 2007, for 5 years. Fixed rate finishes 1st March 2012.

 

So if I sold the house at £115,000, I would still owe £12k on the unsecured loan and the interest rate on this would rise 5 percent on top of the NRAM SVR. Which takes us around the 9 to 10 percent as it currently stands.

 

Has anyone found any loop holes in this to avoid the interest rate hike? I would be more than happy to carry on paying the £12k on a normal SVR short term.

 

Anyone in the same position or who can advise on a way forward with this?

 

Matt

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  • 2 weeks later...

I am also in a similar position to many of the above!! I have recently sold my property with an unsecured amount outstanding of £21k, i have taken this to the ombudsman & logged a complaint against northern rock! But after doing some research into unsecured loans I have found numerous information stating that if the amount paid back in interest makes the loan unaffordable & not payable over a reasonable time scale then the interest must be frozen!!

 

I have split up with the person named on the mortgage & am fighting with them to split the debt as well as make it affordable!! By paying the increased interest rates I will pay back £83k on that 21k loan over the remainder of the loan, I mean this can't possibly be reasonable!!!

 

Would be grateful for any advice or success cases in what seems to be a total shambles of a company!!!

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  • 2 months later...

HiI see no one has messaged on this thread for a little while. If anyone is still looking at this discussion I to am in the same boat as many of you. I have a together mortgage with the interest on the un-secured part of the loan going up 8% above NR variable standard rate. My mortgage fixed term came to an end last June 2011 and so I am currently on their variable rate anyway now. My house is up for sale as I have moved in with my partner to his dwelling but I will end up owing NR unsecured around £20,000. I dont even want to think what this figure will be by the end of the having to repay it back. Like most people here I was very niave about this mortgage when having it suggested to me and as I really needed somewhere for myself and my daughter to live without having to keep moving from one rented house to another it seemed like a good deal at the time. Of course I realise it was a "to good to be true" deal. If anyone has got anywhere with solicitors on this subject please please please to join the group and let us know how you got on. Hope to hear from you soon.

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  • 2 weeks later...
Just a quick update on this.

 

I've had my 'fixed-sum loan agreement' looked at by a couple of legal advisors. All agree this has several points to argue and are looking into whether anyone has actually taken NR to court over this to mark against any such existing test case.

 

Interestingly, all of the advisors I've spoken to claim they have had "an influx" of people questioning the legality of these agreements so it could be the case that many people are considering legal action against NR.

 

If you have one of these Together Mortgages with NR, I'd really like to hear from you - whether you have already looked into raising a complaint or not.

 

Hello to youI have a together mortgage and my 5 year fixed rate of 5.89% ended January 2012. I am now on the SVR of 4.79%. I am happy to be included with this complaint. Excellent news!

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  • 2 weeks later...

Hi

 

Im in the same boat as everyone else with the Northern Rock Together mortgage in Nov 06. Loan was on 7.54% interest rate. I now live overseas and would love to sell but in negitave equity. Also now mortagge has been passed to NRAM (new side of NR when it was bought over)

 

Mortgage was £80,000

Unsecured Loan £30,000

House Value £80,000 so in negative equity

 

If you have any info that may help it would be appreciated.

 

 

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Hi I am new to this forum,

 

My husand and I also got the Northern Rock Together mortgage back in 2007, with a £106k mortgage and £25,625 unsecured loan. At the time we were very naive, first time buyers and had no advice or help from family about finances/mortgages. We went through a broker who said we would never get on the property ladder if we waited to save up a deposit as prices would be too high for us then. My husband had a couple of loans and were told the only way we could get a mortgage would be through NR and to consolidate his loans and roll it up into this £25k+ loan that would also include a small 'deposit' towards buying the house and all attached fees. In effect my husband's original debt was increased because at the time he was charged heavily for early repayments on them.

 

Obvisously from the worry that prices were going up and this was our last chance to get onto the property ladder we very badly (in hindsight) took the mortgage out.

 

Fast forward 5 years, now on the bad books with NRAM, we paid £112k for our house, which is now worth £96k if lucky, and in negative equity. Very worried what will happen in a few years time if we manage to pay enough off to sell the house to cover the mortgage, but then the unsecured loan will be subject to raise by 8% interest!

 

Was anyone else requested to consolidate their debt at the time of taking out the mortgage/loan in order to be able to afford it?

 

I would like to be added to the complaint. Thanks.

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