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Following a long hard battle with NRAM they have finally admitted that my claim from recompense due to their error regards the CCA is correct




I was made bankrupt in 2012, I was discharged a year later.


NRAM have sent me a letter stating that customers who are bankrupt or in an IVA will not receive remediation.. Is this correct? They state that remediation would be an asset in the bankruptcy.


The fact of the matter is that during the period in which they cocked up I was paying off my loan etc ( I was not bankrupt at this time!)

I am discharged

They state there is no monies owing because of this


Advice greatly received



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as far as I am aware that is correct



you could contact your IFA or trustee that dealt with the BK to check mind.

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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