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Northern Rock dodgy documents and agreements.

Guest mediaseller

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Guest mediaseller

NRAM (Northern Rock), dodgy documents and agreements.


Hi and thanks to all who contribute to this site.

Flushed with success at my PPI refund with another Ex creditor I thought I'd start on my NR mortgage.


In 2006 I re-mortgaged my house with NR to pay off a previous mortgage and some loans (taken out with NR).


The present account is not the 16 digit account that I read about though I can only find the mortgage offer and not the agreement.


Also I believe that there is PPI on some of the other loans I had with them in the past (and perhaps the current one).

My thrust of action is threefold.


  • Does the dodgy documentation apply to me since the ?


  • Have I been miss-sold the mortgage because it was for 30 years and I'm in my early 60s now and no proper suitability check where carried out by NR.


  • Finally I will be tackling the PPI as normal.


I suppose the first thing to do is get my paperwork from them so in light of my three pronged action would I be advised to get a full SAR and CCA request in the first instance?


I look forward to your comments as usual.


Kind regards

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Hello mediaseller,


Nice to see someone having a go as it were.


I would get a subject access from NRAM before you start litigating with them. Tell them nothing until you have all of the information.


I would also get copies of the mortgage deed from Land Registry.


When you get it all and review I am sure it will make for interesting reading........


They are having a very difficult battle at the moment, with someone I know.....

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  • 2 years later...
Guest mediaseller

Hi All.


I have received all of the data that NR hold about us following a SAR request and the problem is that it's disorganised and there is about two reams of paper.


Can anyone suggest a way of organizing it for easy access please?


Kind regards.

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by loan or mortgage numbers

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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