the-puppets UE diary

[Never-In-Doubt]

Re: the-predator-puppets UE diary

CHEEKY BLOODY B........ Just checked our bank account and found that NRAM have taken their LOAN money out on top of our MORTGAGE payment WITHOUT INFORMING US. We paid something like £75 to separate the mortgage from the loan and we were paying mortgage via direct debit fron our bank and cccs paying the loan as part of DMP. It seems that NRAM are reminding us to pay the loan (having ceased payments) and now have STOLEN OUR MONEY WITHOUT NOTICE. What, if anything, can we do about this one??? Should we make a complaint.

TPP

Direct Debit guarantee with the bank - they will refund you if you tell them you cancelled it. If it was still open with no payments, it still doesn't matter as the DD Guarantee allows you to utilise it whenever a party has taken funds that you didn't pre-authorise. So you'd get the whole lot back and then you'd have to pay the mortgage again.

Simples.

[MrsD]

Re: the-predator-puppets UE diary

If that is the situation, I'm with you Garlok, strongest bloody terms, they are the shit on our shoes!!!

[garlok]

Re: the-predator-puppets UE diary

I think mrs D, they are relying on the old DD authority, which they may be able to do unless it has been specifically cancelled. They will have noted by now that no payments on the loan have been made from CCCCs and will have looked back at what they can and can't do (remember they are all vultures at heart).

In my view its still wrong and I would respond in very strong terms, hence my suggestion that this DD is specifically cancelled and reverting to a Standing Order for the mortgage element only.

regards
Garlok

[MrsD]

Re: the-predator-puppets UE diary

ok PPs if they haven't got a DD for this then they can't take it????? or are we presuming the DD guarantee is worth nothing?

I would do what garlok suggests and change everything that can be changed to SO, I pay my mortgage with a SO and there is no problem there.

I think I would phone at the moment and ask some questions about the DD, if they haven't got one, how did they take the money? Am I being thick and missing something here???

[garlok]

Re: the-predator-puppets UE diary

Sorry TPP you must have been typing whilst I was but I think I would still do the same other than the CCCCs item. in the case you have then I think a slight modification, i.e. cancel the direct debit and set up a standing order only for the mortgage element. That way you are in control---- not them.

regards
Garlok

[garlok]

Re: the-predator-puppets UE diary

Personally as with Sharkleys I would write in the strongest possible terms complaining to the CEO demanding they return the loan aspect of this to your account forthwith, inform CCCCs who are supposedly looking after this on your behalf.

I haven't yet read the whole thread but I would be looking to withold all payments until such times as they resolve the complaint and tell 'em that is what you are going to do. I gave BC till noon on a specific date to come to the table to negotiate the level of compensation they then owed me and they refused.

Just a personal way of dealing with it.

regards
Garlok

[the-puppets]

Re: the-predator-puppets UE diary

No - we bank elsewhere - its just that when we set up the dmp - the mortgage and loan were together as one direct debit - we arranged to split the 2 as the mortgage was not part of the dmp and they charged us an admin fee to do that. As we no longer have the dmp we aren't paying anyone as we check out the UE route. They last got a payment via cccs end of june. Now end of July and no payment they have sent 2 reminders to pay - one of which came today - the same date as they took both mortgage and original dmp payment as one lump sum without giving us any notice!!!

[SaltnVinegar]

Re: the-predator-puppets UE diary

Is your bank account with Northern Rock as well then?

Or did they just set up a DD without your permission to take the unsecured loan element?

[the-puppets]

Re: the-predator-puppets UE diary

What should we do now ??

[garlok]

Re: the-predator-puppets UE diary

'Fraid not TPP,

They will always hide behind this heinous "right to set-off" that seems to be built into each and every contract the banks put together.

Barclays stripped our business account on behalf of Barclaycard when all the cards were actually fully up to date. They had made an "administrative error". We got the money back after histrionics but that was the final straw and now they get NOTHING and will get NOTHING. All UE with sols waiting to ambush them. Idiots.


Barclays queue here!

regards
Garlok

[the-puppets]

Re: the-predator-puppets UE diary

They used to get both the mortgage and loan money together via the same direct debit - when we did the dmp we asked them to separate the 2 debts so we could pay the mortgage part and cccs would pay them the loan part out of the direct debit we sent to cccs.

Even if they can do this surely they should at least let us know they were going to take the cash out.

[MrsD]

Re: the-predator-puppets UE diary

do they have a DD for the loan on your account?

[the-puppets]

Re: the-predator-puppets UE diary

NORTHERN ROCK LOAN - NRAM (JOINT LOAN)

TYPE OF ACCOUNT : Loan
DATE COMMENCED: 05/06
APPROX BALANCE: £27,000
DATE LAST PAID:May 2010 usual amount, tokens til Dec 2010, then DMP from Dec 2010 to June 2011 last paid
DMP OR NOT PAY: DMP Last DMP payment was June 2011 - cancelled it to explore the UE route
STATUS: Up to date *note on credit report stating account being settled via DMP
ACC OWNER: Northern Rock


10th June 2011 CCA Request sent
21st June 2011 Received Telephone (Ansaphone) message - please call NRAM - ignoring for now
2nd July 2011 Received letter stating amounts we agreed to pay via dmp - ignoring still - may be the penny will drop when they don't receive payment!!
8th July 2011 CCA docs recieved - look correct - email to niddy to check - Niddy says enforceable
22nd July 2011 received reminder to make monthly payment (obviously noticed not getting DMP pay any more)
2nd August 2011 received reminder to make monthly payment

CHEEKY BLOODY B........ Just checked our bank account and found that NRAM have taken their LOAN money out on top of our MORTGAGE payment WITHOUT INFORMING US. We paid something like £75 to separate the mortgage from the loan and we were paying mortgage via direct debit fron our bank and cccs paying the loan as part of DMP. It seems that NRAM are reminding us to pay the loan (having ceased payments) and now have STOLEN OUR MONEY WITHOUT NOTICE. What, if anything, can we do about this one??? Should we make a complaint.

TPP

[Never-In-Doubt]

Re: the-predator-puppets UE diary

They've admitted they cant find it have sent us same as before (Nid declared UE/Blank Application Form) but with the account number, name and address typed in - is this a True Copy now or still an App Form?? Do we just ignore??

TPP

Nothing has changed - ignore

[Deepie]

Re: the-predator-puppets UE diary

Just ignore for now see what they send next