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NRAM - Arrangement to pay - not Default


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My main issue is that NRAM marked this as Arrangement to Pay when I started to pay reduced amount in 2009, rather than applying a default like my other creditors. The monthly payment is £310, I'm paying £170 to them on a DMP. I wrote to NRAM to try and seek a retrospective default as I want to be considered for a new mortgage in a few years. They refused this and said any objection will need to go to Financial O.....

 

Does anyone have any experience of getting an ATP changed to a backdated Default?

 

Thx!

Edited by Wiggle61
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ICO might be your best bet.

 

whos the DMP with

hope its not a fee paying one.

 

the AP marker should not be used to the detriment of a debtor.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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marlins? so its been sold on?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

you pers details are on that pdf

 

I've unapproved it.

 

as for how to get the AP markers either removed

or get a default placed.

 

use our grey toolbar up the top

 

the search on the right of it

 

type in

 

ap marker.

 

there are many threads there,

inc ones with letters from 'the brig'

 

that have worked well.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

if an mram debt has been sold to marlins

 

then there is something wrong with it.

 

have you all the statements?

 

you say no penalty charges or PPI?

 

theres a reason why they sold it.

 

you need to find it.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I've seen the statements but not retained them.

 

Agree and I will seek out why they sold it (I believe Marlin bought a massive batch of debt so there might not be anything wrong). Firstly, I need to get a retrospective default added

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yes I see

 

http://www.n-ram.co.uk/loans/sale-of-personal-loans

 

that explains it then

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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