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  1. Can anyone please give advice on the following; I completed my Protedted TrustDeed (PTD) a year ago and was sent a letter of discharge from my trustee. Everything seemed fine. I have recently been getting letters from NRAM Debt Mangement out of the blue stating that I owe money to a former creditor (Norther Rock Loan) which I know was included in my PTD. However, the amount they are asking for appears to be approx £400 higher than that on my original PTD paperwork. I have replied in writing to NRAM clarifying my position in this particular circumstance, and also giving them a copy of my discharge letter, This letter also contained my former trustee's contact details for them to verify my reply. This has not had any effect and I am still getting letters of thier intent to monitor my account with a view to instructing a debt recovery agency to recover monies due. Or take legal action to take payments direct from my salary. It also appears that NRAM has had my details passed to them by another recovery agency. I am getting concerned now due to the frequency and nature of the letters I am receiving . I am 100% certain I owe them nothing and have done everything I can to inform them of this. Can anyone give advice or guidance on this matter. Thanks
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