Northern Rock Mortgage www.northernrock.co.uk

I am short by £1000 to redeem my mortgage and just suffered a no blaim car crash which is costing me £3000 to get a replacement car. I asked northern Rock for help and the hoops they wanted me to go through with a 12 week wait for an answer which could be no,is ridiculous. I am not in a good place as you can imagine at the moment and now face having to ask my 92 year old parent for help. I am disgusted with the heartless attitude of this company.

I had a joint mortgage with NRAM whilst with my ex partner. When we split up I hit financial difficulties as I was a nursing student at the time. We put the house on the market but unfortunately this was just st the beginning of the property crash. As my ex and I struggled along making payments to NRAM whilst we waited for a buyer NRAM consistently harassed us and bombarded us with phone calls demanding we just sell for the mimimum offer we could get as they were only interested in themselves and their mortgage payments. They drove me to utter despair and I ended up on antidepressants....and they could not have cared less. There was no empathy or understanding just constant harassment. Eventually we got a buyer and my lawyer asked NRAM for a full and final settlement to pay off the mortgage which was done and the account closed........fast forward 4 years and they are back with a demand for an outstanding mortgage payment of £850. How can that be if they gave a full and final settlement figure and account closed. Needless to say they have harassed my ex and I all over again for something that is clearly an error on their part but we have to be punished all over again for their negligence. I hate NRAM and would never ever recommended them to anyone unless they want to end up at the end of their tether and utterly distressed.

I was a customer of Northern Rock. We bought our house for £250,000 taking out a mortgage for £170,000 we put down £80,000 deposit still my mortgage was moved to NRAM. My mortgage is up to date no arrears although I was around £1,000 in arrears when I was given to NRAM. during the whole recession they at no point dropped their interest rate although NRAM is pretty much government/state owned. The government stand on TV asking banks to provide mortgage owners with a low interest rate and the one they own they are using to bleed people dry. NRAM is a disgraceful pit of a company and the government should be ashamed of the way it is letting its public be treated in the dark.

In my long experience as an NRAM customer I believe them to be shockingly incompetent with appalling customer service. Over the years I have been driven to complete despair in my dealings with them. After having two extra loans added to my existing mortgage to carry out home improvement my total monthly payments rocketed to an unbelievable amount. At times these were unmanageable resulting in arrears. They were uncompromising in not allowing me interest only payment enabling me to pay off these arrears and I was therefore stuck with them. If at any time my payment was delayed by a day or two I was issued with Notice of Repossession Proceedings. Whenever I tried to contact them by telephone I was left holding for ages, having to repeat again and again the same security details. Whenever I wrote to them, even with registered delivery, all letters were ignored. There is no communication between departments notifying of any discussions had or arrangements made. My issues with this company are endless. I would advise anyone to avoid this company at all costs if you value your sanity.

Richard Branson you should be ashamed of yourself. Do something man and sack them all and employ some real human beings for god sake their killing people. If you really are the decent nice guy you make out to be on the tv etc then get a grip of your company nram.

NRAM also known as UKAR is just a smoke screen for corporations to take properties and force people to hand over money to repay the countries debt that the banks created!!

They lie and decieve people and dont care what impact it has on people or their families....changing of policies....losing paperwork.....carrying out unlawful evicictions without justification every day.... approx 450 a month and rising...

They are falsifying legal document....bullying people out of their homes......if you can get them to attend a court hearing om the rare occasion......they present no evidence against you and even present lies & fake documents in court in order to unlawfully evict families leaving them homeless after paying their mortgage for 25 years without any sympathy or empathy towards cancer sufferers or the grieving.

These companies need to be stopped & the only way is by people standing together and not allowing them to get away with it any longer!!

PLEASE if youve had any bad experiences with them.....join facebook page "Eviction Fraud of the Bank" and support the  family as battle tirelessly through court to save their home & in return we'll do the same for each & every1 being forced into hardship through difficult times.

:-D xx

HI i lost my home on friday after being evicted. I have been in a mess with Nram since 2011. I owed £14,000 i had 1st eviction oct 2011 held on to house as my dad paid £8166 to stop eviction. was told i must pay extra £300 per mth to clear remainin arrears i couldnt so had 2nd eviction in Jan 2012. My dad again helped out maxing out his cards as tthe demand was for £7500. I asked why it was more than the arrears.

Told i owed £3000 in unsecured and from my first payment £2456 went to that account and £500 from this payment would b the same. So after paying over £15000 i was still in arrears. Further eviction notice in feb,may and july of that year each time i scraped the moni to stop eviction but was putting my self further in debt.

My last eviction notice that year i had nothin else to give my friend gave me the number of a solicitor went to see him and he went to court it got thrown out but only owed £400 by then. If i had courage to get legal advice i would never had needed to make those payments as they hadnt followed procedures correctly. Over the next year my partner and i split i had a nervous breakdown and arrears shot up again. Again i had two more notices b 4 this one due on 4/4/11.On the 3rd a day b 4 eviction my dad sold his car i sold mine and we got the money i had lost my debit card so i asked them how i should pay i was given their bank details called my bank they sent payment. Only to be told by NRAM it could 5-7 days so eviction would be postponed till the 7/11/14 for payment to clear.

By the 6th wen i called it still hadnt reached my account and after 6 calls and 4 hrs of arguments i was told if i went to bank and got proof of payment it would be stopped dome this faxed it at 9:30 am only to be told they couldnt accept it im would need fuul 3 mths statements. went to bank they said would take 7-10 days for full official statement. They gave me first week of month and told me to print rest from my online banking as this is what they do. Again NRAM wouldnt accept and i was out.

I called this morn and they say my payment still hasnt reached them i will need to get bank to trace payment. Im totally devasted as the payment cleared arrears and 6 mths in advance.

BE WARNED ANY 1 IN THIS POSITION THEY LIE AND CHANGE WHAT THEY SAY DO NOT TRUST I DID I AM NOW HOMELESS WITH MY DAUGHTER AND NOT A THING I CAN DO xxx

I am owe this company (may i add after a bad year) £6994. Need to save my house but after phoning them to pay 6500 they tell me i need to have full amount. Trying to tell jobsworthy James that the other £494 would be paid within the month and he shot me down. Told me eviction on 14 October would happen unless i pay full amount. These guys are lowest of the low. Not only that my visa card not working so was using my partners which is a joint bank account only to be told i would need a marriage cert to use it. At this point i laughed out loud and put the phone down on them after telling them what i thought. Was i wrong!!!!

Dear all

I believe that NRAMs practices need to be made public to a wider audience. If you have suffered at the hands of their confusing and mismanaged protocols, please do contact me. I have read so many heartbreaking stories and feel that a collective piece of journalism needs to be put together so please, do get in touch.

Ive read alot of the reviews on here and im so glad to see I am not the only one who is suffering the NRAM curse.

4 years ago there was an honest mix up with a payment and from then on I have been harassed, threatened and lied to. I have had bailiffs attempting to come to my house twice even though the day they claimed to have come was two days after the date of the letter they sent in the post stating they came to my house but still wanted to charge me money for me being at work earning money!

The best bit about this I have on many occasions tried to sort out paying this mix up and each and every time I got reject. I even had one member of staff saying they will personally ring every day till I pay. I have complained so many times and all rejected bar one that said my payment plan is suitable so ring up and arrange it. So i did for it to get rejected.

I had staff saying that I would need to pay to months payment in one month and at the time I had just come out of unemployment and low income from a very high paid job. What got me when unemployed I paid the mortgage every month out of my savings. £10000 gone in one year on bills. They didn't care and demanded full payment.

I then received upto 4 to 5 calls a day harassing me for payment. It has made me suffer from anxiety and one Christmas eve i revived 14 missed calls. over two weeks 32 missed calls.

The financial ombudsman were useless and sided with them and said that amount of calls was justified!! not even the bodies that suppose to help you don't.

I have finally written to the CEO who delegated the complaint to have my complaint slammed in my face and said they will no longer hold a discussion about this issue.

I have now take this to my MP and will be setting up an e-petition as clearly they have no duty of care to the customers.

STAY CLEAR