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NRAM contact post bankruptcy - help!


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Hi All,


I have received a letter from NRAM addressed to 'the occupier' asking for their subject (e.g. Me) to contact them to confirm or deny my presence. I'm unsure how to proceed for the best.


In 2007 I had a 120% mortgage with Northern Rock.

Most secured and a portion unsecured.



In 2008 the keys were handed back to the mortgage company.

I'm unsure what happened to the house after this point.

I presume auctioned as a short time later I received a letter requesting £48k paid within 7 days.

I was unemployed at the time so sought legal advise and was told bankruptcy was my only viable option.


In Feb 2012 I went bankrupt.

The only debt I had was Northern Rock and this was listed on the bankruptcy.

I have heard nothing from them since until now.

On my credit files it states 'settled'.



I'm currently in a blind panic as I'm only just over 12 months away from it being removed from my file so I can start to rebuild my life. I'm wondering:


1) Has anyone had this happen to them?

2) Why would they be chasing me still?

3) should I ignore the letter or call them as they are requesting?


Any advise welcome as I'm terrified that I'm going to have to declare bankruptcy again.


Thank you

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I would suggest that the £48k was the shortfall of the secured part

the unsecured part was probably not included in your BK.?


but as its outside of 6yrs now

that will be statute barred

and they are chancing their arm to see if you'll be mug enough to admit things again?




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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Its a phishing letter. Ignore it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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