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Quick question about how your bank contacts you...

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I am currently trying to negotiate with NRAM over a temporary reduced mortgage payment, which I originally asked about, in writing, in October.

After completing the income form, writing 3 times etc I have paid 50% of the mortgage this month, and asked for them to put in writing, if they accept or reject the offer, what they would accept etc


I have had one letter, in which they rejected my offer, and made no other offer beyond 'ring us'. I had asked that all contact be in writing only (after some fiascos in the past), yet since their letter they have not written anything to me just rang 3 times.


If I ask, do they not have to deal with you in the way you specify? I may have to reluctantly speak to them by phone, but that only ever benefits them. I want a paper trail.


Any views on this would be appreciated.

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