How you getting on? I have been fightin NRAM since oct 2009. i am now a whopping £20k in arrears, yup, £20k. ALl down to marriage break up and fraud on application forms, long LONG story, but still fighting. Had a call today, LBA sent out to me again, so the process begins all over again. I am sick to death of NRAM doing this to people. I am on my own with two kids, i have bipolar disorder (manic depression) clinically diagnosed and on meds. They are abominable to say the least. They even use my DWP social help payments to pay off the UNSECURED LOAN!!!! out of £480 help off social, they only pay £170 to my actual mortgage!! The DWP has told them not to, but they continue to cock up every month. Iif they paid it all to the right area of the mortgage i would only be £1900 in arrears to the main part!!!!! NOT £20K!!! i am at my wits end ;( Good luck to all fighting!

I AM STILL FIGHTING!!! i am now £20k in arrears, i have no clue as to why they have still not, since 2009, repossessed. I need advise on defense as theyhave threatened action again, for the 6th time, so just in case this gets to the courtroom, i need help. 1: limitations...how do they apply to me as well as the disability aspect of them, having bipolar disorder? 2: unfair relationship... 3: irresponsible lending 4: deed... fee simple....definition and meaning please thanks

Good Luck!! I am having pretty much the same issues....

i'll start a new thread, same situation with Northern Rock/NRAM... 3 years and counting, fraud on ex's part, admitted by NRAM, possession notices etc..... help!

hya, they are english law as they are used daily in bankruptcy and charging order processes....

Hope i've got the right area to post this! i have been researching endlesly and would like help on filing a UCC1 to give me power over any creditors and mortgage company which will give me 1st charge on my property....ALSO help if anyone knows about filing a land patent?? many thanks

i know about this tuling in the USA. However, national and international laws are difficult to assess. For an international law to become so, it has first to be ruled as a national law, therefore becoming law in the national area. its quite complicates and i'm still researching this area but i am pretty sure it will be in the legislation somewhere...just very well hidden hhahah

Thanks for the replies. I am pretty sure that as the lender sold my mortgage on (yet to be confirmed), that they wouldl have no standing in court to try to repossess my house as they have no beneficial interest and do not own the loan. They have to produce an original wet ink signed contract between themselves and I, which they will not have as they have sold it on. From what i have researched its a simple yet complicated fact. However, a court judge in USA ruled in favour of the mortgagee in a similar case and deemed the mortgage repossession unenforceable.!

hello, i need to try and do this. Is this still available now, may 2012? some f these post go way back! thanks

i told my mortgage lender that my ex had obtained further secured loans without my knowledge and had forged my signature. they said if i was alleging fraud, it was a criminal offense and i needed to report it to the police. so i did. the police came to my house, took a statement,w ere very nice etc, but toled me it was a matter for the lenders internal fraud team to deal with. the police gave the lender the log number etc. now, the lender disagrees and says its the POLICE who have to investigate this. this has been going on for over a year now. its a lot of money, Over £90000 on 3 loans. i dont know what to do. i have posted threads on here in relation to it. just thought i'd get in that it is not always investigates as you'd think it would be once reported!

Hya,thanks for acknowledging me! I have already sent this, a year ago...they have not complied. all i get is the standard...sorry we have not been able to resolve your complaint within the alloted 8 weeks blah blah blah. its a long story ...but i am wanting to know if they securitized my mortgage nad i'm going to try to claim unenforceability. i'm in a right mess because of the ex. thanks. x

this post has had 217 views yet nobody has posted!! Does anyone know about this!! please?>!! x

NRAM are part of the government scheme to alter the 3 month rule to allow 6 months before proceeding with repossession. Also, they have to show the court that under the pre action mortgage protocol they exhausted all reasonable offers from yourself prior to going to court. You will, if not working be entitled to support for mortgage interest which wil pay the interesst only on your mortgage and will be paid by the DWP direct to NRAM. If this does not cover the total amount you need to discuss with NRAM how much extra if any, you can pay to make up the shortfall. You could arrange with them to pay less, say only accepting the SMI, OR whatever payments you can personally afford should you not be entitled to this benefit. If you have shown you can pay AN amount rather than the contractual amount, they are bound by law to accept any resasonable offer for an agreed period of time until you get back on your feet. SHould they not do this, then you can show copy letters to the courts of your offers (always in writing or record your calls) and the court will throw their case out as they did not follow pre action protocol. hope this helps x

Hi, can anyone tell me how i find out if my original mortgage lender 'sold on' my mortgage to a third party and now only 'services' it. I'm sure you know what i mean without me going on and on!! I would like to know if there are any template letters on here which i could use to request this information from them in a legal manner/jargon! Thanks

i am going through a similar experience although not at the stage of repossession. This will however be inevitable. What i need to say is have any of you heard of the A4V (accepted for value)? Also.. the lender...or whoever has initiated the repossession proceedings (NRAM?nationwide lloyds etc etc HAS to prove they are the 'owner' of the debt/mortgage by producing the following...the title deed AND the original 'wet ink' signed promissory note/mortgage application which HAS to be signed by BOTH the applicant and the lender on the SAME page/document. BOTH these documents MUST be produced together for any claim to repossession. This in most cases WILL NOT BE POSSIBLE as most lenders 'sell' your loan onto a 3rd party almost as soon as they have completed...and in doing this they have to also pass along your promissory not...meaning they CANNOT possibly produce the original documents in court. NO DOCUMENTS NO CLAIM. simple.... i hope this makes sense. I am still researching this, DO NOT TAKE MY WORD FOR IT..i am NOT a solicitor, just trying my best to come up with a legal defense for when my lender tries to take me to court, hopefully by using the above, they wont even try! x good luck all x