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I have emailed NR as stated on their web site <a href="mailto:customerrelations@n-ram.co.uk">customerrelations@n-ram.co.uk</a> This is my email : Dear Sirs, My loan was taken in 2006 for more than £25,000 and I was informed that my loan is covered by the 1974 CCA. This is also clearly stated on my ...

exactly lizards, before this problem the fact that they were given a protected agreement incorrectly was not an issue. Now it is an issue because they messed up, so all those with a loan over £25k on regulated paperwork have a material loss if they refuse to pay. My preference would be to let them ...

it seems to me that you have to look at it through the eyes of the borrower. i.e, my two daughters sat in front of a financial advisor and then a solicitor at the ages of 21 and 22 and were advised to sign documents that were presented as protected by the CCA. Now they beleive they have a claim unde...

found this on the other thread.... My conclusion is that if your agreement is for an unregulated amount, but is executed on regulated paperwork - then the agreement is probably unregulated. HOWEVER. - By executing the agreement on that paper it becomes "contractually" regulated by the act ...

Just spoke to NR. They are saying that letters are going out tomorrow to those affected. As my daughters loan was for more than £25k she said she may not be entitled to the refund. However in my mind this has opened up a new claim which could be even better. In my opinion the fact that they present...

Here is where I think NR have another big problem. My daughters took a together mortgage in 2006 the loan part was over 25k. The agreement said it was regulated by the 1974 CCA. At this point it probably was not a problem. However, now they have cocked up by not following the CCA guidelines from 200...

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