Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • Madmart58
      Lost items sent through Parcel2Go and EVRi

      By Madmart58 · Posted

      Thank you very much for your letter in regard to the above mentioned shipment.  Due to the high volume of parcels coursing through the courier network each day, undergoing continuous processing and handling, certain packages may experience delays or even can get lost in the course of this journey. Please note that due to the time that has passed, this shipment has been declared as lost.  I have today processed the claim and made offers to the value of £75 as a goodwill gesture without prejudice. I do acknowledge that you have mentioned in your letter that the value was higher, however, you did not take out any protection to that amount. The protection for this shipment was £20 and we will not be increasing our goodwill offer any further.    Please log into your account online in order to accept our offer. Once accepted, our accounts department will process the claim accordingly. The claim payment will be processed and received within 7 working days.                                  In addition, a refund of the carriage fee will be processed as a separate payment and will be received within 3 working days.  If I can further assist, please feel free to contact me.   I have also just noticed that yesterday afternoon they sent me an email stating that "after my request" they have refunded the cost of shipping. I did not request the refund so will mention that in my letter as well.
    • Angryman1404
      IDRWW letter and email received this week

      By Angryman1404 · Posted

      Hi I had to leave Dubai back in 2011, during the financial crisis. And only now have I received a letter from IDRWW. Is this anything to worry about about as I have 2 years left until it’s been 15 years(statute barred in Dubai). Worried as just got a mortgage 2 years ago. Could they force me in to bankruptcy? Red lots of different threads on here. And unsure what true and what isn’t. 
    • honeybee13
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By honeybee13 · Posted

      Not that TOR will see this now he's thrown in the hand grenade. Rayner has plenty of female supporters on X, for a start. As for the council and HMRC, fair enough and I thought Rayner was already in touch with them. That's where it should be dealt with, not the police force. @tobyjugg2 Daniel Finkelstein thinks the same as you about tax. The Fiver theory. How the Fiver Theory explains this election campaign ARCHIVE.PH archived 28 May 2024 17:36:51 UTC  
    • London1971
      Lowell/Overdales Claimform - old Cap1 Debt

      By London1971 · Posted

      Often with the Likes of Lowells/ Overdales that 'proof' doesn't stand up to scrutiny.   Think about it like a game of poker, they want to intimidate you into folding and giving up as soon as possible, and just get you to pay up and roll over, that is their business model, make you think your cards are rubbish. What they don't expect, and their business isn't set up for it, is for a defendant to find this place and to learn that they have an amazing set of cards to play. Overdales don't have an infinite number of lawyers, paralegals etc, and the time / money to spend on expensive court cases, that they are highly likely to lose, hence how hard they will try to get you to roll over.  Even to the extent of faking documents, which they need to do because the debts that they purchased were so cheap, in the first place. Nevertheless it works in most cases, most people chicken out, when they are so close to winning, and a holding defence is like slowly showing Overdales your first card, and a marker of intention that this could get tricky for them. In fact it may be,  although by no means guaranteed that it won't even go any further than that.  Even if it does, what they send you back will almost certainly have more holes than Swiss Cheese, and if with the help you receive here, you can identify those weaknesses and get the whole thing tossed in the bin.
    • theoldrouge
      Should we trust Sunak or the next PM to fix the Country's problems? (title revised 24/10/22)

      By theoldrouge · Posted

      So Rayner who is don’t forget still being investigated by the local council and HMRC  is now begging to save her seat Not a WOMAN in sight in this video other than Rayner  Farage is utterly correct this country’s values are non existent in her seat   Rayner Pleads With Muslim Voters as Pressure From Galloway Grows – Guido Fawkes ORDER-ORDER.COM Guido has obtained a leaked tape from inside a meeting between Angela Rayner and Muslim voters in Ashton-under-Lyne...  

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Me & NRAM/Northern Rock Together mortgage

SJC1975

By SJC1975
in Mortgage companies

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3773 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

SJC1975

SJC1975

Posted
Posted

Hi,

 

We are also stuck with an NRAM Together Mortgage, we took our mortgage out in 2006 when we sold our 1 bedroom home to move to a 3 bedroom home, thinking we was building ourselves a good future, unfortunately we now regret committing to this mortgage as we are now struggling to move home.

 

After several calls to NRAM we enquired about options to help us move or reduce what we owe, in March this year our balance on our mortgage est 110k and unsecured loan at 28k and our house value is 125-129k and the house we want to downsize to in order to free some debt is 100k, but we still have got to find obviously all the solicitors fees and find est of 2.5k shortfall to give to NRAM to move and at the end of it we would still have a mortgage and unsecured loan.

 

Our circumstances have changed some what as since moving we have used the luxury of credit cards!! big mistake, we have littleone and we both work full time and have nursery costs of between 850 - 1k a month I recently went to our local CAB for advice they were not very helpful because we had not defaulted or was not in arrears on anything they couldn't see what the problem was?!

 

Sadly we are financially struggling along with many others, but we are trying to seek support and help and nobody seems to be able to help, we went to a financial advisor about remortgaging and they said we owed to much to remortgage and NRAM just said go to the CAB..

 

We accept we have created our own credit card debts and we are working to repay these, our mortgage is full repayment but everyone where we go to for advice seems oblivious to who NRAM are and why we have the mortgage we have? There must be other home owners who have the Together mortgage we cant be the only ones..!

 

Would very much like to hear from any homeowners who do have the same mortgage and any who have remortgaged or moved sucessfully?

 

Many thanks

Link to post
Share on other sites
  • 1 month later...
Smarter_now

Smarter_now

Posted
Posted
CitzenB, for yours (and anyone else's) edification a Northern Rock Together Mortgage was comprised of 2 components:

  • A secured mortgage up to 95% LTV, repayable on repayment or interest only terms, with a term up to 30 years (at least, I think it couldn't go beyond your 75th birthday);
  • An unsecured loan up to 30% LTV, capped at a maximum of £30,000, repayable on repayment terms, co-terminus with the mortgage component, and at the same interest rate.

The specific problem being addressed here is that they used the same paperwork for all Together mortgages, showing the unsecured component as being regulated by CCA1974. This was so even for those borrowing in excess of £25,000, even though at the time the upper limit for CCA regulated loans was £25,000, which was not removed until April 2008, a date either after or near the end of the life of the product being offered.

 

It seems there are quite a lot of people in this position of having "unregulated" loans written on "regulated" paperwork, and NRAM (as they are now) have declined to offer us the same redress for their failue to comply with the statement requirements of the CCA2006 amendments as they have given to those with loans under the threshold.

 

Another problem that these Together mortages have is that if you de-couple the components (because of re-mortgaging for instance), the interest rate on the unsecured component jumps to 5% or 8% above SVR, thus dramatically increasing the repayments.

 

Also there are instances where, in the past, Northern Rock or NRAM have used the provisions of the CCA to take people in financial difficulties to court for non-payment of the unsecured component, including obtaining Charging Orders, despite the fact they are now saying they are not CCA regulated. This is why the OP is trying to contact the 2 people mentioned.

 

Finally in a post on 6th December 2008 pt2537 stated "the Northern Rock Together scheme is flawed, the agreement is not bolted together properly and as a result it is defective and irredeemably unenforceable". How I wish he was still around to elaborate further on that statement!

 

I'm in this position. Together Mortgage, £30k unsecured, pre-contract and offer state covered by CCA 1974, northern rock obtained a Charging order on us by taking court action under CCA, neglected to tell us about the court action until it had been carried out. The judge ruled in NR's favour in our absence. Took months to get it sorted. What was our arrears to be taken to court? 3 weeks, the rest was admin errors at NR. When we finally got back into court to rectify it the judge admonished NR and made them pay costs for their mess.

 

In light of this new info tho, it throws up serious concerns. Either my loans is regulated under CCA in which case I'm due redress for their failings under the CCA or my loan isn't covered by the CCA and the court action was illegal and my contract is unenforcable. I've gone down the route of misrepresentation of contract, unfair relationships and TCF outcome breaches but I'm sure thee are more legal breaches therein.

 

The thing is, if they come back and say ok, they agree my account is CCA regulated due to them not wanting to concede to the court balls up, it sets a precedent that they'd need to offer all other customers the same courtesy. If it's not covered and they took me to court under their protections of an act they're now saying I'm not protected by, how can they possibly enforce the agreement?

 

I've submitted a huge complaint letter, will now just need to sit back and wait. Would love any assistance or advice with this possible.

Link to post
Share on other sites
citizenB

citizenB

Posted
Posted

Right, I think I understand what the issues are and will see if I can either find some information or someone who might be able to help.

 

I am assuming you have looked at MCOBs to see if there is anything in there that will help ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
IainHL

IainHL

Posted
Posted (edited)

Hello there Smater_now, it's very interesting to hear your story.

 

I do wonder though how did NR manage to get all the way through court action to obtaining a CO without you knowing? Surely the court would have served papers to your address?

 

I will be very interested in seeing what their response is to your complaint.

Edited by IainHL
HTML formatting
Link to post
Share on other sites
jhill

jhill

Posted
Posted
I'm in this position. Together Mortgage, £30k unsecured, pre-contract and offer state covered by CCA 1974, northern rock obtained a Charging order on us by taking court action under CCA, neglected to tell us about the court action until it had been carried out. The judge ruled in NR's favour in our absence. Took months to get it sorted. What was our arrears to be taken to court? 3 weeks, the rest was admin errors at NR. When we finally got back into court to rectify it the judge admonished NR and made them pay costs for their mess.

 

In light of this new info tho, it throws up serious concerns. Either my loans is regulated under CCA in which case I'm due redress for their failings under the CCA or my loan isn't covered by the CCA and the court action was illegal and my contract is unenforcable. I've gone down the route of misrepresentation of contract, unfair relationships and TCF outcome breaches but I'm sure thee are more legal breaches therein.

 

The thing is, if they come back and say ok, they agree my account is CCA regulated due to them not wanting to concede to the court balls up, it sets a precedent that they'd need to offer all other customers the same courtesy. If it's not covered and they took me to court under their protections of an act they're now saying I'm not protected by, how can they possibly enforce the agreement?

 

I've submitted a huge complaint letter, will now just need to sit back and wait. Would love any assistance or advice with this possible.

 

Hi, are you happy to post the details of the court and judgement on here or perhaps send a PM to CitizenB?

 

Your info will strengthen the case of others tied up with the FOS; showing NRAM use the CCA to their benefit with loans over 25k but then deny customers CCA protection in the same boat.

Link to post
Share on other sites
Smarter_now

Smarter_now

Posted
Posted

(this was in response to the question regarding having court papers served etc. I haven' t worked out how to quote yet...)

 

I actually don't undertand myself how it got to the point of court without us knowing. But the judge did revoke everything to the pre-charging order status and made them pay us costs for our time having to deal with this error.

 

I was a bit green and niave re finances when this all happened and with hindsight there were clearly a comedy of errors at best at NR which led to it progressing as far as it did. I now work in financial services and only now can appreciate just how serious the issues are and have finally got a fire under me to take NR to task.

 

I got a response back from the CE office within 30 mins of sending the email complaint. I spoke to a compliance contact who said something in the complaint has rattled them.

 

 

Link to post
Share on other sites
Smarter_now

Smarter_now

Posted
Posted (edited)
Hi, are you happy to post the details of the court and judgement on here or perhaps send a PM to CitizenB?

 

Your info will strengthen the case of others tied up with the FOS; showing NRAM use the CCA to their benefit with loans over 25k but then deny customers CCA protection in the same boat.

 

Yeah I thought that our case may be kinda pivotal to the group action. I'll be interested to see what they come back with. If we are being provided CCA regulation status then everyone else needs to be afforded that protection and we must all be given redress for the regulatory and statement failings that the under £25k customers are. If not, then they must be held to task for taking us to court under CCA and for having so many people signing misrepresented contracts.

 

I can't remember dates etc of the court action etc but I've been in contact again to ask they provide all the correspondence and court papers so as soon as I receive this I'll contact the action group and the member you mention. Feel free to PM me for any details I can help with in the meantime. I am considering looking for a lawyer as I feel a bit over my head, despite my industry contacts.

Edited by Smarter_now
Link to post
Share on other sites
jhill

jhill

Posted
Posted
Yeah I thought that our case may be kinda pivotal to the group action. I'll be interested to see what they come back with. If we are being provided CCA regulation status then everyone else needs to be afforded that protection and we must all be given redress for the regulatory and statement failings that the under £25k customers are. If not, then they must be held to task for taking us to court under CCA and for having so many people signing misrepresented contracts.

 

I can't remember dates etc of the court action etc but I've been in contact again to ask they provide all the correspondence and court papers so as soon as I receive this I'll contact the action group and the member you mention. Feel free to PM me for any details I can help with in the meantime. I am considering looking for a lawyer as I feel a bit over my head, despite my industry contacts.

 

Hi Smarter_now, thanks! I dont have enoug credits yet to PM you although Citizen B is being a massive help hear. Yes! Your case will help for exactly the reasons you mention. My case is with the FOS and so as soon as you get this it will be a help to us and I hope many others. There seem to be many others in similar situations to yourself where they have loans over £25k but where NRAM have still appleid the CCA to prosecute them.

Link to post
Share on other sites
citizenB

citizenB

Posted
Posted

Please feel free to contact me with regards to document posting etc. If I am not around, then just send a message to any of the Site team, they will do their best help as well.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
  • 1 month later...
Smarter_now

Smarter_now

Posted
Posted

I've tried to PM the few people who've messaged me on here but it's not allowing me to.

 

I'm awaiting a full and final response from NRAM, which is allegedly sitting with their solicitors just now and will be with me in a few days.

 

Will keep you up to date. If anyone wants more info, pm me your email address and I'll get in touch that way.

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

we do not recommend advise via PM or pers emails.

 

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... 

Link to post
Share on other sites
  • 1 month later...
  • 2 months later...
Smarter_now

Smarter_now

Posted
Posted

Nram have given a partial response to the more minor issues presented in the complaint but requested more time to give a full and final response to the CCA / redress / illegal charging order complaints. However, upon chasing last week, I was advised they would have a F&F response by mid February.

 

I held off going to FOS when their 8 weeks was up as I was promised over and over that it would be a few more weeks - it's now been 6 months!

 

How is everyone else getting on?

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...