Hi I hope someone can help, going out of my mind with worry here. I received a claim from Mortimer Clarke (Marlin) all details below. Issue Date: 6 Mar 14 Reason: Non payment of unsecured loan Claim for £4K includes court fee and solicitors costs + interest of about £700 Original Agreement was made in 2006 and assigned to them in Oct 2013. I sent an Acknowledgement of Service (using the online moneyclaim website) on 17 Mar also sent by recorded delivery a letter asking them for 31.14 request: 1: the agreement. 2: the assignment 3: the default notice4: the termination notice 5: statement of account Not heard anything back yet. I also have a lot of other debts total cost about £35K although no individual one for more that £7K. Im sure more and more claims will come through in the coming months. My wife lost her job 5 years ago and we moved into a family members house for 2 years and carried on paying all the debts. We then had to move out and started renting and I just couldn’t afford all the bills so stopped paying 3 years ago. Been rather stupid and had my head buried in the sand since and just ignoring all the letters and phone calls, I dread getting home and seeing letters on the doormat or every time my phone rings not wanting to answer. Now the courts are involved I obviously can’t do this anymore. Just wonder what my options are, we have no assets to speak of rent a house, an old car worth less than £1K.

My Northern Rock/NRAM mortgage has been reviewed. Letter 1 says they have overcharged me, and have knocked £940 off the unsecured part of the Together Loan. Letter 2 says I have underpaid the unsecured part of my Together Loan, and they want £153.15. 1) I have never missed a payment. 2) WTF?

I had the Together Mortgage and my house got repossessed with a shortfall confirmed of £130k + further £30k for the unsecured element. As of last month the £30k should have been statute barred but in my paperwork I have come across an "Extract Decree For Payment" granted in August 2009 by the Sheriff Court in Scotland. It says at the bottom "This extract is warrant for all lawful execution hereon". The solicitor who was acting on behalf of NRAM attached a letter with this Extract stating: "we write to advise that our clients (NRAM) have instructed us to refrain from any further Court Action in respect of your unsecured loan meantime. However our client specifically reserves the right to enforce the Court Decree which they have obtained against you, which is enclosed. In the event you account is not conducted in a satisfactory manner the decree will be enforced against you" I have checked my credit file and also Tustonline.org and there is no dcree/ccj registered against me. So what exactly was this Extract Decree if it hasn't been registered against me? Would this mean as nothing is registered that this unsecured loan is now Statute Barred also as 5years passed since my last contact with them in March 2009?

Marlin acquired NR's loan portfolio last year. I am going to send requests into NR for copies of the original paperwork as I smell a rat. I took a personal loan (unsecured) in 2005 and defaulted on this and 3 credit cards in 2009 when I went DMP. The default wasn't recorded by NR, just an ATP until early 2013 when it dropped off of my credit history. I have 4 defaults from 2009 which expire next yr and I will make F&F on these are they are valid (I have CCA's them). I'm worried about the Marlin loan, I am desperate to avoid a CCJ or something I want a plan as to whether continue paying them £60 a month, F&F or test the validity.... Long rambling post (sorry) - my question is do I CCA/SAR or both? And to NR or Marlin?

Hello, Excuse my attention grabbing title, im in a bit of a panic. I had an original loan with Northern Rock for £9k. This defaulted in June 2009 with around £5k remaining. This was registered on my credit file under NRAM but is now under Marlin. Since 2009 I have been making payments of £30 per month to NRAM who have never contacted me after I set up the initial direct debit amount with them and have never sent me any letters saying they have passed along the loan to someone else. I did check the NRAM webpage which said a number of loans had been sold onto other debt collection companies so assume Marlin have bought this. Friday, I received a letter from Marlin offering a 50% reduction on the amount of £4332 if I paid in 7 days. Saturday I received a letter from Marlin saying I had to contact them to arrange a payment plan, they also sent a form asking for my mortgage amount, employment status and bank details! I'm a little panicky over how to proceed, as I can barely afford my month to month living now. Please any advice would be great!

I'm having on going issues with NRAM, it's been going on for over a year now and it's still not resolved, there is no communications between staff and departments, no one knows what they are doing, I have spoken over 45 differently members of staff, wrote over 2 dozen letters to them and still it's goes on. I have had the complaint upheld with by the FOS, NRAM even sent me £250, but have still failed to deal with the complaint. Every time I call them they say we will raise it as a complaint, currently I'm on my 8th compliant now and still no resolution, I have emailed the CEO and nothing happened with that, had one reply to acknowledge the email and that's it. They were told to deal with the credit reference agency because of the damage they did to my credit rating, they failed to do that even when the FOS told them too. I'm no further forward over a year on, it appears there a law to themselves, they employ and bunch of clueless unprofessional, uneducated incompetent fools who can not communicate with human beings. What can I do next?

Hi Can anyone give me any pointers on how I can challenge NRAM on the sale price of a repoceesed house. I haven't yet seen sight of the completion statement but looking at the shortfall I have and knowing my outstanding mortgage balance it would appear NRAM sold my former home for £25,000. I would expect some costs incurred by NRAM would push the sale price up but they are unlikely to be in the tens of thousands are they? Any help greatly appreciated Would the first step be to request a SAR?

Hi all. Just wanted to share my story and gather any opinions or similar stories. So I have a dreaded "Together Mortgage" (interest only) which I took in Feb 2007. Like many other people I went through some financial hardship in 2008/9 when the GFC bit. I couldn't afford my monthly payments and so Northern Rock offered me a "mortgage concession agreement" for 12 months where as I was only required to pay a certain percentage of my interest only payments. I don't remember the exact amounts but let's say my payments went down from around £550 per month to around £250 per month. The agreement was that the £300 that I wasn't paying would accumulate in arrears until the arrangement ended (I extended it after 12 months for another year) at which point the arrears would be capitalised/put back into my mortgage for me to pay off over the remainder of my mortgage term. Great. This was a big help at the time. However...... When the 2 year period was up NRAM decided that as they no longer offer that same agreement I had to pay back all of the arrears (over £6k) immediately.!!! I argued this and they basically told me that as I had no proof of the agreement then they would take me to court and repossess the house unless I come to an arrangement with them to pay back the money ASAP. The agreement they came up with would increase my monthly mortgage payments from £400 to over £1000 per month...! I now live overseas and so don't have any paperwork to help argue my case, the judge wouldn't postpone the hearing so that I could be present and ruled in NRAMs favour. They won a suspended repossession order that would only be enforceable if i don't meet my new payments. (I managed to get them don't to £850 per month). I laid all of the money back early but the order still stands for a few years. I recently asked the for consent to let the property out while I'm away. The max rent I will get is £450, my payments are £670 and they want £750 to give me permission. They also told me that The £750 fee will be added to my mortgage balance... How can they do that if the no longer borrow money? This really annoyed me as they wouldn't/couldn't add my arrears to the mortgage as per their agreement...! Well lately I've been reading about the CCA issues with loans over £25k and I'm wondering if I may have a case for them to answer. Like I say, I don't have all my paperwork with me at the moment but I'm in the process of having it sent to me and I'm also going to apply for SAR. I'd be really interested to hear from anyone who has a similar story or even from anyone who could offer any advice. Cheers all.

I am currently an NRAM account holder, with a together mortgage comprising a £98,000 mortgage and £18,000 unsecured loan. I have not missed any payments or been late, but I have breached my mortgage t & cs by letting the property without their consent. I asked for it and they refused, back while they were still Northern Rock. I have already posted about this so I won't go into the same details here; only to set the background for this post. I am concerned with the fact since their recent government directive to get the 'bad' debts off their books they are working on a different incentive basis than other mortgage companies. NRAM need to make anything over 10p to the £ to get a profit, (for that is how much of the value was passed on to them) so they do not have the same aversion to instigating repossessions as other lenders do, not to mention complete disregard of the cost to the individual or business. My issue is not with the fact I do not want to pay what I owe, nor with my poor decision of getting this mortgage in the first place. I accept that and have been paying without fail for 9 years. So when they find me in breach of my mortgage terms & conditions their aim will be to instigate a repossession. Not to reach a solution that is best for me and them, in regard to maximizing their profit. Not being driven by this fact, like other mortgage lenders, puts all NRAM account holders in an extremely vulnerable position. The goal and they want us off their books, that and nothing else. Irrespective of whether this was a good or bad mortgage, the terms and conditions on their part, and the expectations on my part, made by signing with Northern Rock, a mortgage company in 2007, are not the ones I'm faced with now. I am not trying to justify the fact that I have broken my terms, or shirk my responsibility for the choice of mortgage and money owed. But to say that when I took out the mortgage, I was under the (mistaken) expectation that I would forever be dealing with mortgage lender, with all the common incentives that come with that; I want to keep my house, they want to get their money back. That I fear is not the case anymore. We are now simply numbers on a spreadsheet and the odds are stacked. There is nothing right or fair about this; and plenty of other NRAM account holders are facing starker and greater financial issues than me. Many are castigated for their choice in the first place, which is not only unhelpful, but in my opinion missing the point. No one is asking for special treatment than any other person who holds a mortgage. But we bought a product with the expectations that we would have the same benefits afforded to all mortgage holders for the life of that product. NRAM are not a mortgage provider. They are an organization that hold 'bad" debt. Equally I have an issue with the term "bad" for there are plenty like me, who have never defaulted but will be faced with repossession on other reasons. They are bad, because they want to get rid of us and shut NRAM down. By no longer requiring NRAM, a continued reminder of a massive economic disaster, the economic policy will be hailed as a success and the bad old days behind us. Whereas other mortgage companies would help people if they got into temporary difficulties NRAM will not, causing the debt to therefore be "bad". Being the contributor, if not, the instigator, of this viscious circle gets them their favored result much quicker - sell the debt to management company, still make a profit and get it off their balance sheet - success.. All I would like is to be treated the same as any other mortgage provider would. I heard today of various people wanting to bring together a group of account holders who wish to fight NRAM and their practices, 100 is the minimum required. I have signed up. It is being led by bank specialist who is willing to fight it on the behalf of the group for free if we can get enough NRAM customers on board. If you are interested please let me know and I'll pass your details on to him.

Hi All, I had a Halifax Amazon CC which was in arrears (5k) and Halifax took me to the court in 2009. I pay them £25.00 monthly. was wondering if still I can challenge this? I have similar 2 cases with JOHN Lewis CC and Northern Rock which went to court and NR loan and JL cc amount was attached to my property. NR loan is now sold to Marlin Finanacial service. Just wondering shld i keep paying or challenge it. Thanks

In 2002, we took out a mortgage with Northern Rock and whilst, my husband and I were both working paid our monthly capital repayment quite happily. In 2009, after our mortgage had been ported to NRAM, we applied for a temporary interest only period when I had my daughter. We renewed this on a yearly basis and but experienced a few glitches in 2010 which accrued us a small amount of arrears. In 2012, we made a capital repayment of around £32,000 and asked for this to be used against the arrears. Except it wasn't...In 2012, we also renegotiated an interest only period and due to human error on our part, and having made a verbal and written agreement with NRAM, forgot to send some forms back with our signatures on it. And then the proverbial hit the fan... In October 2013, when we were refused an extension of our interest only agreement out of the blue, we realised that we were £3700 in arrears. And our credit rating was shot to pieces. We started to investigate what had happened and interestingly, NRAM had not allocated our capital repayment from 2012 towards earlier arrears. And now our account has been registered as delinquent with a legacy of 6 years, making remortgaging impossible. And so I went to town with NRAM. I registered a complaint in October 2013 and despite involving the FOS who did uphold part of our complaint but not the second part I believe unfairly, it is still not resolved. NRAM have been instructed by the FOS to report their mistake to the credit agencies, but we are still showing a delinquent account on our credit files which is giving us a one star rating. I cannot tell you the trials and tribulations we have been through to get to this point. I have involved not only the FOS but our local MP. Their systems are completely labyrinthine, mismanaged and corrupt. In dealing with my complaint I have spoken to 40 different staff members. The only way I have had any kind of redress with them was by involving their Chief Executive's office. We have spent 9 months getting a result that should have been resolved in one month and as a consequence of this, I have set up an action group on Facebook. If you would like to club with me and some others affected by NRAMs corrupt system, then please contact me. I believe there is a wider story to tell about NRAM and think the wider public need to know about it. It has been described by other posters, but I think this now needs cohesion from those affected to see it through. Our credit rating is shot to pieces by an error on NRAM's part and they see no need to feel concerned about this. Even yesterday, I received 4 pieces of documentation from them that made no sense and conflicted with each other. If we are getting this, what other mistakes have been made by them, what lives have been ruined by their mismanagement?

We have an unsecured loan with NRAM, which was part of a together mortgage. Our fixed term came to an end just as the recession hit and they would not/could not offer us a new mortgage. This of course meant we needed to remortgage and the interest rate on our loan soared to 12.79%. During this time we accrued arrears on the loan. Around 2 years ago, I agreed a new payment arrangement with their arrears department (a chap named Les who was a senior payment advisor). The minimum payment required was £320 on the initial sum borrowed, but as we had arrears I agreed a repayment of £380 per month. We have continued to make this payment every month, on time. In May this year I received our annual statement. Concerned that the closing balance on the loan did not seem to be going down I checked through the statement more thoroughly. I discovered that the £380 monthly payment agreed with Les did not cover the interest being added to the loan each month. As a result our loan balance was going up, not down. That very same day I received a phone call from Les at NRAM telling me they needed to agree a new monthly repayment (according to him there wasn’t an agreement in place). I stopped him short and told him what I had discovered on our statement. At this point he seemed to drop his ‘I am superior to you attitude’ and quietly say he would look at our account – I am staggered he wasn’t looking at this already, considering why he was calling in the first place. He went on to give me some convoluted and totally pointless explanation of how the repayments are calculated according to the interest added on the initial loan balance. Again I stopped him short telling him we had been overpaying (or so we thought) and that the payment amount had been agreed with him, over a year ago. At the time of that conversation it was never mentioned that the repayment amount would not cover the interest charged. Indeed to my mind, this repayment amount should never have been agreed with us. I went on to tell him how unhappy we were. For over a year we have been paying this loan only to discover we have not cleared any of it. We would have been better keeping the money in our pockets! I then asked him to tell me how much the monthly repayment should be to ensure the loan was paid off within the remaining term. My own calculations suggested a repayment of £450/m (different calculators gave slightly different amounts) and his calculations were around this figure. I told him I would need to talk with my husband at that point and that I would call back to complete an income and expenditure form and to set the payment in place. When I called back I came through to someone different and went through the income and expenditure form with her. As I wasn’t sure on a couple of figures I said I would ring back. On the third time of calling I came through to someone else again. I explained to her that I needed to complete the form and set up a new payment arrangement. After completing the form, she went on to tell me that she couldn’t put a new payment plan in place as the account was under investigation by head office because of the previous payment agreement and the interest charges (as explained above). She told to me to expect to hear from them within 7 days. That was over 1 month ago. As the end of May approached I made a payment of £400, despite not hearing back from them. A few days later I receive a letter from NRAM telling me the account had been passed to the Loss and Recoveries Department because a formal notice had been issued – we have never received a formal notice. The letter went on to ask us to call them to complete an income and expenditure form (!?!) I then receive another letter thanking me for the last payment and telling me they will not be taking any action against us for the next 31 days! To date I have still not heard from their head office. So now I am wondering what to do next. I could call the loss and recoveries department, but feel I will just be going around in circles. I have a feeling no-one is properly reviewing our account or looking at the notes on it. The letter from this department implies we have not been paying each month, but we have made every monthly payment for the last couple of years and have been overpaying them. Any advice would be much appreciated. I feel it is time to go straight to the organ-grinder (or even the FOS) and begin to get everything down in writing. On a side note, I thought it was a legal requirement for statements to include the original sum borrowed? Ours do not. The opening and closing balance is there, but not the original loan amount.

Hi guys, need some help please.... I am about to send off the CC1974 request to the Claimant and the CPR request to the solicitor. The problem is, I need to avoid getting a CCJ on my credit file. Also if there simply is no way out, I’d offer a payment plan and satisfy the default on my credit file… .BUT does that mean my default will not drop off for another 6 years from the last of my payments? I cannot prolong it for another 6 years or so. Here are the facts: Claimant: Marlin Europe V Limited Date of issue – 02 April 2014 14 days acknowledgement – 21 April 2014 28 days defence – 05 May 2014 Particulars of Claim: >>>>>>>>>>> By an agreement between Northern Rock (Asset Management) Plc (“NOR”) & the Defendant on or around 03/12/2004 (“the Agreement”) NOR agreed to loan the Defendant monies under the terms & conditions set out therein. In breach of the Agreement the defendant did not pay the instalments as they fell due & the Agreement was terminated. The Agreement was assigned to the Claimant on 28/10/2013. THE CLAIMAINT THEREFORE CLAIMS: 1. 641.58 2. Interest pursuant to section 69 of the County Courts Act 1984, namely 192.06 & continuing until Judgment or sooner payment at the rate of 0.14. >>>>>>>>>>> Amount Claimed: 833.64 Court fee: 55.00 Solicitor’s costs: 70.00 Total amount: 958.64 This claim is for a defaulted personal loan account from Northern Rock. Original agreement was signed 01/12/2004. The original creditor was Northern Rock. It then passed through: Wescot > Mackenzie Hall > Marlin Europe V Ltd > Marlin Financial Services > Mortimer Clarke Solicitors Up to the time that Marlin Europe got this account, I was also being sent letters by NRAM (Northern Rock Asset Management) who had been sending “Notice of Default sum” letters. However, on 21st October 2013, NRAM wrote to me to state: “We are writing to let you know that NRAM has agreed to sell and transfer a portfolio of unsecured personal loans to Marlin Europe V Ltd and my loan is included in this portfolio… ..on 28th October 2013 the transfer of legal title from NRAM to Marlin Europe V Ltd will be complete” On 22nd October 2013, I received a letter from Marlin Europe to state: “This letter is notification that we Marlin Europe will have assigned to us all right, title, interest and benefit in the debts due in relation to the above loan previously owed to NRAM on 28th October 2013. I received a default letter from the OC on 01/07/2010. On my credit report the default is currently under the Lender name: Marlin Financial Services Limited for a default amount of £822 and default date 05/07/2010. I ceased payments as I lost my job in November 2009 and struggled for several months with all my creditors at the same time as trying to find work (which I did eventually) and try and pursue an employment tribunal case against my old employer (unsuccessful). No debt management plan was setup with the OC.

Hello I received a Claim Form on Fri 28th Mar relating to a personal unsecured loan with Northern Rock. As the Claim Form was issued on Mon 24th I believe I need to submit my acknowledgement this Sat 12th Apr (at the latest). Then will have to submit a defence 14 days later by Sat Apr 26th. If I am correct so far (please confirm?), I would much appreciate some help with the next steps please! NB please confirm if more time to defence submission can be asked for, as I cannot see the Claimants submitting info timely..., ie can additional 28 days from acknowledgement be called for instead (so by May 10th at the latest), or not? First of all and from what else I have so far read, I believe the Particulars of Claim to be quite vague, so I am unsure what documents I can call for through CPR? PoC: The Claimant claims payment of the overdue balance due from the Defendant(s) under a contract between the Defendant(s) and Northern Rock (Asset Management) Plc dated on or about xx/11/2006 [hence pre-2007 regs?] and assigned to the claimant on xx/08/2013 in the sum of xxxx.xx (under £2k) PARTICULARS a/c no: xxxxxxxxxxxxxxxx DATE ITEM VALUE 10/02/2014 Default Balance xxxx.xx Post Refrl Cr NIL TOTAL: xxxx.xx I understand I need to send a CCA1974 request to the Claimant (in this case to Marlin Capital Europe - no numbers...) As said, I am unsure what I can call for under CPR31.14, as all I can see in the particulars is an acc. no and a balance claimed. For instance and based on the above PoC, what can I call for from the suggested list of: Agreement, Assignment, DN, Termination Notice, Acc statement, anything else? So do I still send this out and do CPR requests go to the solicitors (Restons)? Maybe (as per the 'You have received a Claim - What you need to do.' sticky page [sorry not allowed links yet]) I would be better off sending a CPR Part 18 request so that I can pose more specific questions? At the end of the day I get the feeling that the Courts are happy to allow the DCA/Claimants to not answer/answer very late to requests for info, while if the Defendant is late they can/will go down on them? Anyway, I suppose that is just my opinion from what I have read/heard of so far... Before anyone asks about SB, I have been making on/off lump sum payments to NRAM as and when funds were available, to the point that £300 was advised as a final balance to pay (they offered a reduced total amount of £600 half of which I paid). I missed paying that off and they sold it all off to Marlin who are now after nearly £2k...! To make things worse I have no paper proof to all of this, as I asked NRAM for receipts (never got any), asked for confirmation of the offer in writing (never got any) and when I did not pay the final £300 the balance went back to the pre-offer total (by means of sale to Marlin)! Do I need to also send an SAR to NRAM? If anything I am now wondering if my loan account being a pre-2008/under 25k unsecured loan should have had a lump sum refunded (see press about Northern Rock payout after interest error / paperwork glitch) and that is why the reduction was offered in the first place..? Well, I think this is all I have ready for now, any comments / advice welcome...

Hi All Firstly , a little background history about my predicament.... I am heavily in debt, I have the following monthly outgoings: NRAM morgage on my 2 bed house £389 NRAM mortgage on mine and my estranged wifes house(with our 3 children) £675 Firstplus Secured Loan £383 Individual Voluntary Arrangement via Debt Free Direct £247 Food, fuel, gas , electric, living expenses approximately £300 TOTAL £1994 INCOME (depending on how much overtime I can get) £2000-£2150 As you can see, I am living on a knife edge financially. Now, during the middle of last year,I had a few large bills (boiler packed up), and the overtime dried up too, and as a result, I missed three/four mortgage payments on my house (£389p.m). The arrears stood at £1132 at the end of September 2013, but I was able start paying £450 a month which I did. So the repayments looked like this.. September 2013 £450 October 2013 £450 November 2013 £450 December 2013 £450 January 2013 £450 Febuary 2013 £500 Therefore, anyone with half a brain could see that the arrears were REDUCING ! But guess what? Despite constant phone calls from NRAM ( which don't create more money to pay them!), they still took me to court at the end of Febuary with the view to repossess. I only had £713 arrears left at the beggining of March and a court date for 2nd April 2014.... So I had to sell stuff and skip paying other debts in order to pay NRAM. So I paid £477 to NRAM on the 17th March 2014 and on the 27th March, I paid £624, clearing the arrears and making April's payment also..... And they STILL took me to court! By this time I was bricking it. So on the 2nd April , I went to court to face them alone. (I cannot afford a solicitor) But luckily one of the court duty scheme solicitors was available. So we went in and NRAM's solicitor just said " we seek an adjournment" and the Judge just asked me if things were going to improve financially.... I just said I hope so , and that I am trying to work as much overtime as possible to increase my income blah blah blah.... The judge just said that if I have arrears again in the next 12 months then I will end up in court again. So that was it, I just wanted to get out of there.... After reading some of the posts, I think the judge was more in favour of NRAM to be honest. On Monday , I am going to send NRAM a nice £10 present and a Subject Access Request so I can claim my penalty charges back..... I hope CAGgers in the same boat as I am realise it's not as bad as they think.... Now my question is: Can someone send me the template for the SAR and some advice on what do? Also do those that know, do you think I was treated fairly by the court and NRAM? Opinions please? Kind Regards Dick

I am trying to sort out a possible PPI claim on behalf of my mother. The short story: She re mortgaged her property through NR some years ago to raise finance to start a business, after a while she wanted to re mortgage again to raise more capital for expansion. Instead of re mortgaging they set up a secured loan which my mother didn't realise at the time. To cut a long story short, I have sent them a template letter recently requesting a copy of the credit agreement and the terms and conditions for both the mortgage and the secured loan using details from her latest statement. They have replied stating that the account is not a consumer credit act regulated loan because it is exempt in accordance with section 16 of the consumer credit act. I have no idea what this means and have no idea how to pursue this now, any help would be appreciated. Stu.

I took out an unsecured personal loan in the amount of £10k with Northern Rock in June 2006 and since October 2008 have been on a reduced payment plan with them - monthly payments should be £204.00 and I am now paying £110.00 pcm. I have maintained these payments religiously but did receive a phone call from them last week stating that they could put a charge on my home if they so wished. They also informed me that the PPI I had on the loan does not cover me for anything as I have a mental health problem and so cannot claim. There was a payment of £2,480.60 Loan Protection on a statement that I received from them this month - the only statement I have ever seen regarding this loan. Currently my balance on this loan - according to them - stands at £8,820.99p which I don't understand either - seems like I've not paid anything off. I want to reclaim the PPI from them but do not want to "muddy the waters" a nd end up with them putting a charge on my home - it's recently been paid off and I need this PPI money to buy my husband an electric scooter as he cannot walk. Any advice on what to do would be appreciated.

Wow, it's a long time since I've been here, but now I must post, as I need some advice please. I'll try to be brief. Some years ago, OH and I went down the SAR route for a copy of an agreement on a northern rock loan. As far as I recall, the agreement was deemed 'unenforceable' as there was no cancellation clause within the body of the agreement, and the loan was arranged by internet/phone. Major change of personal circumstances, resulted in payments of £10 per month being made, rather than get into yet another 'agreement is unenforceable row' with NR. Marlin have now purchased the debt, so the SAR was re-started with them. Of course, the same agreement has been received without any cancellation clause. I'm now obviously looking for the best way forward. When Northern Rock became NRAM, there was a point when a full and final offer was made to them, after an offer of financial help from a family member, which they declined (not sure if that's relevant). Ill health and unemployment means it is unlikely that our financial situation will improve (unless a lottery win happens). I'm very out of touch with what's happened over the years, test cases, etc. and would be very grateful if someone could point me in the right direction of what to do now, please. Many thanks

My husband got (miss) sold one of the Together Mortgages circa 2006. The total lone was £96000 which consisted of a Mortgage of £77750 and the remainder on an unsecured loan. We are currently looking to remortgage from interest only and start paying the property off. We haven't been able to get a straight answer from NRAM on a couple of things: The flat cost £86000, so some of the unsecured loan went towards the mortgage portion of the house. Does this now mean that part of our flat is owned (mortgaged to) NRAM and another part to another company? Or does this mean that we actually have some equity in the flat now , and the unsecured loan with the other company is now independent to that of the mortgage. We asked them if the Mortgage and Unsecured loan were now independent of each other and got a mixed answer. Will this make it easier to remortgage as are very uncompetitive? Their lack of clarity on this matter doesn't make dealing with them very easy.

HI, Looking for some advice/guidance..... Have fallen into arrears with NRAM mortgage. We are approximately £3600 in arrears (which was £5600 until I paid £2000 today). The arrears now equates to 3 months. We fell into arrears last year about June, then made a payment of £2000 off the arrears and made an arrangement with NRAM to clear arrears and to be fair they were quite helpful. I fell back into arrears as I have lots going on and think I may be losing the plot. My wife had an accident in work in 2008, she spent a period of time recuperating, but couldn't go back to her job as she wasn't well enough. She then descended into severe depression from early 2010. She was prescribed treatment but her depression got a lot worse (2011/2012) and ended up being admitted to hospital for 2 months when some terrible things happened. This was a terrible time. IN all this time I held down my pressured job, we lost my wifes decent salary on which our mortgage was based, I kept the house and the bills going, but made arrangements with unsecured debtors. I am struggling to keep on top of things, stuff seems to drift and to have one more complication really takes its toll on me. Not looking for sympathy here just telling it as it is. The last NRAM arrangement (November) I just let drift even though I had the money in the bank all because I asked them to set up a direct debit so I didn't have to think about, but they refused and not sure why. Have today received a letter for a possession claim with a hearing date of 30th January. I phoned NRAM and resurrected the payment plan to clear arrears and this time they were willing to set up the direct debit....grrrr I cannot bear to think about adding anymore complications into my life right now, my wife needs me to be there for her and so does my job and I don't want her to worry about anything. I do need to make sure there is no further instability in her life as she could easily go back to the awful place she has been. Sorry don't mean to moan. Anyway any help would be appreciated. Kind regards.

Hi All, I'm looking for some advice on how to start putting my life back together after spending the last 6 years looking over my shoulder! To cut a long story short after a relationship breakdown and some other personal issues my flat was repossessed in 2008 and Northern Rock sold it on at auction. The flat cost me originally £38500 on a together mortgage and I also took out an additional £6K loan on top of that to clear some debts as well as a £10K loan from Blackhorse (secured) a few years later. I now have NRAM chasing me for a shortfall of £29500 and Blackhorse £17985 both of which I have paid nothing towards since the repossession. I received a letter from Mackenzie Hall last week offering a settlement figure of £8800 for the NRAM shortfall (which I don't have!) or a £40 PM payment. I also get occasional letters from various DCA's about the Blackhorse sum. I am based in Scotland and I know the law is slightly different up here.

This was some time ago now so my memory of it is a little rusty, although I did find a letter I wrote to NRAM at the time which seems to detail most of what went on. I don't have a copy of any reply from them so may send an SAR to see exactly what went on. Basically I was on ISMI with DWP to pay the interest part of my mortgage while in receipt of Income Support. We remortgaged our existing Northern Rock product to a new one with them for a better rate but with no new borrowing. The account number changed and I was not aware I had to notify DWP that we had a new account. Consequently the DWP payments were returned to them, and my standing orders were also returned - in both cases because the payments were sent with the old account reference. Sods law has it that I wrote to them asking for 6 month payment holiday at the same time, so I didn't worry that the payments were being returned. The DWP should have notified me that the benefit was stopping - but they never did. The first I heard of any issue was when NR wrote to me saying we were 2 months in arrears. It took quite a while to fall into arrears as we had 4k in overpayments on the old account which carried to the new one. Now that my credit file is almost clear I have started to pay attention and realise these late payments on my mortgage will be a problem when I come to remortgage soon to come off the SVR onto a good fix rate. Part of the text of my complaint letter to NR back in 2008 is pasted below:

Hi all, I'm looking for help, Last august (2012) my house was repossessed by Northern rock asset management (NRAM). After a very long fight over arrears Nram got the their repossession order enforced and my wife and 2 boys plus my self had to move out. this was the final nail in the coffin for my marriage and we moved to separate houses. after 2/3 months our house was sold by auction for £30000 less then the market value. Brings me to my help, we are now being pursued for £18694.18 and I would like some help fighting this. I know many people will say that its my debt and I should pay it back but if I'm honest I don't feel responsible for it and nram owe me not the other way round, We had our house on the market and had interest even a offer (although rediculas) which we was told by NRAM that it was not good enough as there would still be a shortfall of £2000- £3000. Now I know I am not going to ever see money back from nram but I want to fight the money they claim i owe them. What would be the steps I would have to take? Kindest regards.

...we are having a little bit of temporary trouble with affording the mortgage ( a long story I will post up later when I have more time) but was wondering about being in arrears. If I paid 50% of the mortgage this month, being the most I could afford at the moment, then 50% next month, would I be 2 months in arrears, having only paid half what I should? That being so, if I pay nothing next month, then a full payment the next month after, would I not then have just been 1 month in arrears, and now up to date? Just seems a quirk of the system. Probably wrong... anyone know?

Hi I'm new here and just looking for some advice/opinions. We bought our house in 2005 with an NRAM together mortgage then a few years later took out another secured loan of 30k over 10 years to consolidate other debt and make home improvements (in hindsight this was a VERY BIG mistake!!). 4 years ago my husband was made redundant and we changed to interest only payments. He quickly found work but has been unable to earn anywhere near his previous salary and due to now having 3 children I work part time so have remained paying interest only. Unfortunately husband lost job in Aug this year and we are now 3 months in arrears. We have done an income and expenditure with NRAM but were unable to come to a reduced payment plan as we are in negative income but have made a few token payments anyway. The house is in approx. 25k negative equity so can't sell. We feel in the long term we will never earn enough to return to repayment and have the added pressure of the other secured loan ending in 3 years time and we will still owe 27k. NRAM have said we cannot increase the repayment term and they will expect the loan to be repaid in full in 3 years time. CAB have advised to save for a deposit to rent privately and wait for NRAM to repossess then consider bankruptcy for shortfall. We were accepting of this however my husband thankfully has a new job and is due to start next week. We will then be in a position to afford the interest only payment again however will still owe the 27k in 3 years time. Another debt charity has suggested we should continue with the mortgage payments and worry about the 27k in 3 years time but I think we will just spend the next 3 years worrying about being back in this position. We have thought about voluntary repossession to get this over and done with but can NRAM refuse as technically we will be in a position to afford the payments? Thanks for reading. Hope it makes sense. Any advice would be greatly appreciated.