Tweet
NRAM - No Default Applied
Hi all,
I’ve just landed on this awesome forum, great work.
I have a simple problem, but reading around - don’t expect a simple resolution:
I have an unsecured debt with NRAM, that started as a £30K unsecured loan on a together mortgage with Northern Rock in 2001.
I paid it on time until 2010, when I got into difficulty and started a debt management plan, I’ve been paying it since head in sand style, but have just decided to get a grip of what’s left.
I got my credit files and have found that NRAM have never put a default on the record, so it’s the only debt still showing on my credit file (After being continuously in default for 10 years, it just shows a 6 on every month going back beyond when the report starts.
So, my objective is to get a default applied and back dated so I can have a clean file.
What should I do?
My current thinking is
1, Make an SAR request to get all the details (I don’t have any records from that far back)
2, Using this information, raise a complaint to NRAM (Heliodor)
Another odd thing is that this was a joint loan with my wife and the records on her credit files for this account are wildly different to mine, but I guess I’ll quiz about that once I get back the SAR.
I’ll keep this thread up to date in the hope of helping others.
So, do I need to start with a SAR, or is there any other first step I should take?
Many Thanks
I’ve just landed on this awesome forum, great work.
I have a simple problem, but reading around - don’t expect a simple resolution:
I have an unsecured debt with NRAM, that started as a £30K unsecured loan on a together mortgage with Northern Rock in 2001.
I paid it on time until 2010, when I got into difficulty and started a debt management plan, I’ve been paying it since head in sand style, but have just decided to get a grip of what’s left.
I got my credit files and have found that NRAM have never put a default on the record, so it’s the only debt still showing on my credit file (After being continuously in default for 10 years, it just shows a 6 on every month going back beyond when the report starts.
So, my objective is to get a default applied and back dated so I can have a clean file.
What should I do?
My current thinking is
1, Make an SAR request to get all the details (I don’t have any records from that far back)
2, Using this information, raise a complaint to NRAM (Heliodor)
Another odd thing is that this was a joint loan with my wife and the records on her credit files for this account are wildly different to mine, but I guess I’ll quiz about that once I get back the SAR.
I’ll keep this thread up to date in the hope of helping others.
So, do I need to start with a SAR, or is there any other first step I should take?
Many Thanks
