Help appreciated with NRAM arrears fees and charges

[highlandertom]

Hi Alec,

 

Apologies, I have rather let my NRAM problems slide, pressures of trying to stay afloat, but need to get back on it!

 

I cannot advise you on their changing from unsecured to secured? I did however note, that in all the paperwork received for my SAR request, there was not any reference to my loan? I will write and ask for all paperwork relating to that.

 

I had sent a letter requesting that all arrears fees and charges be refunded, but as expected they said that they were lawful, and at that point I did not take it further. So do I need to submit the claim again? prepared to take them to court. Do we have any NRAM 'success' posts?

 

Another point, I have just noticed that, although I pay by debit card at the end of each month, the payment is sometimes not credited to my mortgage account for 3 - 4 days? so I wonder if they are charging me extra interest? aprox £23/day + compound interest. I wonder if anyone else has noticed this in their accounts! I need to go back through everything to find out how often this has been happening.

 

I am beginning to think that I need to get an accountant to check their figures.

 

I would be grateful for any help with the above. many thanks Tom

[highlandertom]

I also meant to say, that the ICO sided with NRAM re. telephone calls, in that, I have to supply date and times for them to retrieve the info, although I suspect that if they themselves wanted it, they would be able to find it !

[highlandertom]

Hi, NRAM, is continuing to harass me with 'field officer' visits ? I have constantly refused these, however, last year they sent a letter, giving me 14 days to reply, the letter took 6 days to arrive, before I had time to reply, on day 14 ( from the letter date ) a grubby little man turned up, he had failed to contact me to make an appointment, said he was passing, unlikely.....

 

 

I did not engage with him, and have been charged for the visit + ongoing interest.

 

 

Now, they are starting again.

 

 

Can anyone tell me the law regarding this. I am being charged for a service I did not request.

 

 

Can I call the police if this 'field agent' turns up again ? demanding money with menaces ? breach of the peace ?

 

 

My so called arrears are considerably less than the £1000 + of 'arrears fees' they have charged - is there any definitive law on the legality of these clowns charging £40 / month arrears fees ? They certainly don't incur £40 worth of work for it.

Edited January 19, 2016 by maroondevo52
Removed unacceptable comment

[citizenB]

I don't think they can charge you for visits if they weren't agreed to.

[highlandertom]

2014 they said " You can ask us to send a field agent to visit you at your home and we will pay for this providing you meet with the agent and complete an income and expenditure assessment " my italics

 

 

3 weeks later they said " We will now instruct a field agent to visit you unless you contact us within 14 days, if you 'engage' with the agent ?? otherwise £75 + vat"..........I refused.

 

 

They repeated this process 3 times in 2015.

 

 

The second time, I wrote refusing a visit, telling them that NO MEANS NO ! and I was charging them £40 for administration, I also raised a second formal complaint.

 

 

The 3rd. time, I was away, and didn't get back in time to respond, and the same day I received the " we will send a field agent" letter, the field agent turned up 2 hours later - no appointment, was just passing, err, no. I refused to 'engage' and have subsequently found that NROT have charged me £54 for the visit I did not request, and have refused previously.

 

 

They are now in the process of doing it all again.

 

 

So, what are my legal and other options ?