Jump to content


  • Tweets

  • Posts

    • I'm trying to unravel this – but I get the impression that there was no contract between you and EVRi and that you didn't even choose them but instead you decided use some third party parcel broker in the USA which organised the delivery. Is this correct? EVRi came into the picture because they would then eventually selected for part of the journey although you had no knowledge that it might be them and I suppose it didn't really matter as long as the item got to you. Secondly, I really don't understand the journey which this item made. You bought the item from somebody in the USA. They then were meant to dispatch it to you to another address in the USA but for some reason or other it came to the UK and then into the hands of EVRi at which point it was lost or stolen. More confusion here because you now tell us that EVRi marked it as being out for delivery but it was never delivered. This suggests that it was going to be delivered to a UK address but earlier on you said that it was going to be delivered to USA address. I think you need to look at the story. Maybe show it to a friend of yours who is not particularly where the details and ask them if they can make head or tail of it and then come back to us with clarification so that we fully understand. Also, I think we'd like to know what the item is, how was it declared, what was the value which was declared. You said it was a valuable item because it was rare and collectable. I gather from this that it is non-fungible. We need to understand more about this. Was an insurance policy purchased to cover it during the delivery process. I understand that this rare and collectable item be valued at £200. Have evidence this value. This could become very important. Also you have given is no idea when this happened. We need to understand the full timescale. There are a number of possibilities here including the possibility of the contract action against EVRi on the basis of your third party rights or an action for negligence but we need to know far more and we need to get a story that makes sense.   Finally, I understand that you have sent the letter of claim. What did it say? How much time did you give them? What did you expect to happen as a result of the letter of claim? Whatever the answers to those questions might be, clearly you had no idea how to proceed after having sent such a letter. A letter of claim is meant to be a serious threat of some legal action if some condition which you have stipulated is not complied with. You set a deadline for compliance and at the end of that deadline you issue the court action. Clearly you are not in a position to do that so your letter of claim is a bluff and undermines your credibility and it will find its way into the EVRi wastepaper basket – if it's not there already.  
    • Good morning. I just wanted to check something please. The other side have moved slightly and negotiated a full and final offer price to end this matter. I am happy with this. However, I want to make sure this is the end of the matter and am emailing the following over to them prior to payment. Is this enough to ensure they can come back for nothing else? Thanks -------------------------------------------------- Dear Sir.   With regards your last email below.   I am pleased to agree to the full and final settlement figure given below.   Can you confirm this payment will be in full and final payment with no further claim to be brought against me in this matter?   Best regards
    • 100% sure I didn't receive it, that why my first post is with the £100 letter.
    • Engine, the technology business Starling Bank was built on, has been busy launching banks around the world, from Romania to Australia.View the full article
    • use this your WS and inc this as an exhibit off to bed now 3 nights been up till 4am aurora watching wont be on too early as it's lambing season out herding with the dog. your WS main thrust is the debt would now be SB'd , the DN was filed xxxyrs+months after it should have been thus unlawfully extending  SB date to infinity. highlight their admittance regarding errors at that time period in your 'redetermination'  paragraph. agreements unreadable. would have already been written off due to SLC age write off criteria has they not issued the claim to stop the SB clock when they had no paperwork to prove their case in the 1st place. never earned over threshold. dx       Erudio - stopped sending email deferments won at FOS DRN-4141462.pdf
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
  • Recommended Topics

NRAM Unsecured Loan £30k - Letter received from NRAM


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1925 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

Hi

 

Last year I separated from my husband,

as a joint debt we had an unsecured loan of £30k from NRAM which we had for years,

my ex then decided to go bankrupt leaving me liable for the loan.

 

I paid my half of the monthly amount due for a few months and then just couldn't continue to pay anymore.

 

I wrote to them in December 2016 offering them a full and final settlement figure, which they ignored (this was quite low).

 

The first time I have heard from them since me contacting them in December 2016 was last month they wrote to me to say I still owe £28k.

(even though through interest this has been paid back and more!)

 

 

They are now threatening:

 

*instructing a field agent to review my position

*Debt collectors

*CCJ

*Bankruptcy

 

They have given a time limit for me to get in touch with them.

 

I don't know what to do,

I haven't paid in over 1 year now,

I live in rented accommodation,

I don't own any assets,

I have a limited company

 

am worried if they do make me bankrupt then I wont be able to carry on with this.

 

Do I offer them again a full and final settlement offer?

I don't have any savings

I would be offering this via a third party.

 

Has anyone been sent a similar letter?

Does anyone know of NRAM accepting and Full and Final settlement offer?

 

I've heard that when a company sells a debt its usually at 20% - 25% of the amount, is this correct?

Should I offer at this % of the balance?

As I don't want for it to be rejected again.

 

Any advice gratefully appreciated.

 

Thanks

Link to post
Share on other sites

When did you take out the original ? ( year/approx month)

 

Was this part of the Northern Rock scheme they ran where this unsecured loan was on top of a mortgage ?

 

The letter received is just a standard chaser with options.

 

Full & Final settlements are normally accepted only where it is the only option of the creditor getting paid much, rather than very small payments over years. A relative of mine, paid off a mortgage debt of about £30k for a F&F of about £2k. It wasn't Northern Rock.

 

Is this the only debt you have ?

 

Don't go making any offers at the moment, until you have looked at options.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

I took this out in 2007, we also had a mortgage with them at the time.

The house was sold a couple of years later and we were still left with paying the unsecured loan with a much higher rate of interest.

 

I do have a credit card which has about £2000 but this is interest free so when chipping away at this its going down.

 

What options should I look at?

Link to post
Share on other sites

Before or after 6th April 2007 ? This is important as it relates changes to the consumer credit act effective from that date. If it was after this date, then the debt is quite easily enforceable in a court, as they don't need to provide an original copy of the consumer credit agreement you signed.

 

At this moment in time, i think you should send NRAM a Data Protection Subject Access Request asking for copies of everything on the mortgage file and everything on the unsecured loan file. Also specifically request copies of statements of account, copies of all documents they issued and system notes. If you click on the Subject access request auto link there is a letter, which you can amend to suit.

 

In regard to paying the debt at the moment, if you don't have sufficient income to meet the regular payments required and would be in financial hardship if you attempted to do so, then you might wish to reply to NRAM stating your position in writing ( without admitting to owing the debt) . Tell them that you are seeking financial/debt advice due to your current financial situation and understand that under FCA rules they are required to allow 30 days for advice to be sought, before they can recommence communications. Ask them to confirm in writing that they will put matters on hold to allow time for the advice to be obtained.

 

If you do those two things now, then it should give you a month to look at options. It will take NRAM a month approx to send you the SAR info back.

 

At some point, you could contact Stepchange the debt charity and run through your finances in a confidential way. Then they can assess what options you have and you can consider best way forward.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Thank you.

I believe it was July.

But I will send a letter requesting this.

 

Friday I received a letter from DMS.

Informing me they have been instructed by NRAM limited to meet with me to discuss any problems I may have with the account.

 

Is this usual practice

 

As the letter from NRAM said I had 60days to respond before any action would be taken.

 

It looks like they have already passed it on?

Link to post
Share on other sites

DMS probably want to visit you where they will try to encourage you to sign up to a payment arrangement.

 

Suggest you write back to DMS saying that you are already in contact with NRAM and will not be discussing anything with them, while issues are outstanding with NRAM.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

who's DMS?

 

you sure this has not been sold on?

 

stuff the silly field agent wanting to add £100 for doing nothing...

 

is this debt on your credit file?

who's shown as the owner?

 

if its DMS mortgage ltd then they are a bunch of fleecers that buy up unenforceable old secured loans and spoof people blind.

 

can we see the letter please

scan it up to PDF following upload

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

I would still do as suggested. Just write to this person at DMS saying that you currently in contact with NRAM about this and also seeking financial/debt advice. Therefore under FCA rules they are required to allow a period of at least 30 days, while advice is obtained.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

ignore DMS

they are a DCA in sheeps clothing

they are not bailiffs and have zero legal powers.

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

Just to warn you that i can remember seeing reports from others in your situation receiving a letter from DMS saying they would make personal visit on x date and they turned up.

 

The £100 fee dx talked about was added to the debt.

Obviously dubious as to whether they can add such fees.

 

Hence why i advised to write to DMS, if you are in the process of contacting NRAM.

 

Otherwise you might have someone turn up at your house expecting to discuss the debt.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

then he tells nram that not some powerless dirty mac doorstepper

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

  • 2 weeks later...

Hi

 

just to update you I sent the subject access request to NRAM.

 

Also a couple of days ago I received another letter from DMS,

it was hand delivered

and it said over the last few days I have visited your home twice

and on both occasions have left a letter, which is a lie.

 

It said if they don't hear from me within 24 hours

I shall have no alternative but to assume that I don't want to discuss

and he is returning a report to NRAM without my input.

What sort of thing could he report on?

 

The next day I also received a letter back from NRAM which said and I quote word for word

"We have been unable to your signature from the letter of authority against our records"

 

I know they want to see my true signature they have asked for a signed document such as passport or driving licence.

the also sent the £10.00 postal order back along with a copy of the letter I sent them.

 

Any advice on any of this please?

 

 

Thanks

Link to post
Share on other sites

ignore DMS

 

have you moved since you took out the NRAM Loan?

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

It is normal for a DSAR to be rejected, if they can't identify you. So if you want the NRAM info, then resubmit with a photocopy of any identity doc.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

did you send a copy of your CTAX bill as the SAR thread advises?

 

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

  • 2 months later...

Hi

 

I've now received the paperwork.

 

The paperwork shows agreement date of May 2007.

 

Really not sure what to do now

 

I haven't had any contact from them but I know it's coming.

 

I really want to to go for a final settlement order.

 

Any suggestions?

 

Thanks

Link to post
Share on other sites

It might be worth going through all of the payments you ever made and see how much it adds up to. And how much of it is interest.

 

How much in charges has been added etc.

There are excel spreadsheet calculators around and I seem to remember this being linked to in threads.

If not start writing down lists.

 

Reason I suggest this is your orginal comment, that you have more than paid this loan, yet the balance is not much less than the loan originally taken out.

Perhaps ypu might spot an error amd/or have a complaint you can make about excess charges.

 

Too early to be thinking about a reduced full and final payment offer !

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Issues with payments, charges and interest applied.

Until you start looking with a fine tooth comb, difficult to say.

Perhaps there will be no errors.

But I would be checking.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

you say in post one about when a company sells a debt etc

 

is this nram chasing?

and was there mortgage too that's been settled?

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

NRAM sent a field agent out DMP.

 

Who apparently has reported back to NRAM but I haven't heard anymore than that.

 

NRAM have sent me all SAR info now.

 

When the house was sold years ago that was all settled and it was just the unsecured loan which was still outstanding with them.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...