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Any advice/ help about NRAM 'Financial Hardship Team....

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Hi all,

just looking for any general info. I have the misfortune to have a mortgage with NRAM, and being stuck with them have recently gone into some financial trouble. Unfortunately this year my wife's mum died, and my wife was extremely distressed and ended up on sick leave then unpaid leave from work on depression; I had to leave my job to look after our children (both under 4)


Very tough times, but we continued to pay all our bills and everything from savings which are now gone, and now my wife has returned to work, and I am job hunting again. However in the short term, we cannot meet the full mortgage payments until I re-start work.

I contacted NRAM, and it took 3 weeks to receive a reply; I completed the finance form, returned it, then received a letter back saying they could not agree to my proposal (which was to pay 60% of the mortgage fee, for a period of 6 months). No explanation, alternative , nothing. Pretty disappointed.

I had expressly told them I did not wish to discuss anything on the phone, because people never remember any previous calls, staff are liberal with the truth, try to manipulate words etc, only in writing so I have a full record. Their recommendation? phone the Financial Hardship Team!

Has anyone dealt with this team? are they actually useful or just a fob off? I am thinking of appealing this decision, anyone had any success doing this?


I thought my offer was very reasonable, especially as it was terrible circumstance that put us into this situation, not financial problems alone.


Any advice, guidance, tips would be gratefully received!

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