Worrying NRAM Debt Recovery letters - aready completed my Protected TrustDeed last year

[mat5104]

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

[dx100uk]

check your cra file please

 

dx

[Guest GLW]

On a completely different tack, I too have been having issues with NRAM...

 

Ignoring correspondence and acting as if they are above the law seems to be a tactic they favour. As you have a PTD I assume you are, as I am in Scotland? I sense a pattern here.

 

How many people, who do not necessarily have the resources or capacity to access public forums such as this, are NRAM routinely short-circuiting consumer protection laws with?

 

Clearly, as you have discharged your PTD they have no right to be doing this; but my experience of them is such that I believe NRAM are now out of control and openly flouting the law. I suspect they will hope to place you under pressure such that you are basically duped into payment or become so distressed that you pay up regardless...

 

On the suggestion of another member, I am about to bring the matter to the attention of both my MP and MSP. I believe that IS a good idea. I am also about to lodge a complaint with the OFT.