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 HOWEVER 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 Thanks