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.

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.

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

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

This companies attitude is outrageous and they should be stopped by the government from trading.We have been paying our mortgage repayments by debit on time for over 16 years with no issues and then like many other people ran into difficulties through no fault of our own due to the fault of government miss management of our economy.We were not over mortgaged and our repayment was okay under normal conditions but as a downtrend of business we found ourselves been late on a few occasions catching up quickly within a few weeks.we are totally up todate presently with all payments but last month our cheque was just two days late arriving possibly due to the post.These really nice people could not wait to register us as a missed payment which of course now affects our credit worthiness on file with the credit reference agenencies.I have spoken to them and pointed out that we are not behind with one payment and that it should not register as such and their pathetic excuse is the old computer one that it does not adjust till one month later. Well then my computer also doesn't adjust either to paying bang on time how about that nram.This company are complete bandits showing no sympathy or understanding to customers problems they couldn't care less, I have had cancer and other serious health issues over the past few years on top of the recession but they are not interested.wISH I COULD JUST PAY THEM OFF AND NEVER HAVE TO DEAL WITH THEM AGAIN. WORST COMPANY ON THE PLANET COMPLETE SHARKS.

Appalling customer service. You can't talk to anyone in authority. Called every night for a week as I am currently abroad, so have to call in the evenings. Still no further ahead with resolution of something really simple. Cost me a fortune in calls as on hold for the majority of the time. If I could leave I would. Please don't buy their products. I resorted to the Financial Ombudsman and the Financial Conduct Agency, both of whom were helpful, but couldn't help me directly. Called one last time to make a formal complaint as advised by both the above agencies. Have been on hold for over 20 minutes trying to get through to the complaints department. I am prepared to hold for half an hour and then I will call back again.

I have experienced extremely poor customer service from NRAM. This includes complete lack of acknowledgement of written correspondence and no record of correspondence noted on account records. NRAM have an appalling phone service with a slow automated processes, long waiting queues and advisors who provide incorrect information on account status and the company's policies and procedures. Since taking out a mortgage (fixed rate for 2 years) my mortgage has now almost doubled in monthly payments as the interest rate is very high. I had to make an interest only payment as the repayment amount was impossible. NRAM made it extremely difficult to put this interest only agreement in place and caused me a lot of stress and anxiety. The interest only period is about to expire and they are demanding I revert back to repayment. I am now experiencing once more the daunting process of making a new payment arrangement with them. Again they have ignored my written requests. Again I am being told different things by different advisors. Again advisors are talking to me in a patronising manner. I am trapped by NRAM as my mortgage is in arrears and, as I understand, I am therefore unable to switch mortgage lenders. In this scenario I foresee having my house repossessed.

After the announcement, in Dec 12, that The Rock had fluffed the wordings on its statements to account holders with loans attached to their mortgage. I was straight on to the NRAM website for advice on what to do next. 'Do nothing' it stated. 'We will write to ex customers whose mortgages have been redeemed in due course'. Well, no surprise that by March I had heard nothing. Cue a call to the supplied call centre number and was advised if unhappy with the the length of time taken I should write in. Severeal months later and no response. Another call to the help-line. The outcome? They are currently only reveiwing existing account!! I held an account with NR for over 10 years, Thanks very much. Any way, July and we get a letter confirming we may be entitled to 'redress'. Within 28 days we will confirm the amount and send a cheque. 6 weeks pass and nothing. Call them and its 28 working days (strange but true) and at that stage they will only be sending a letter. Only after another 28 (working days?!) have passed will we get the cheque. This is flagrant 'lets keep the money in our accounts as long as possible' behaviour. SCUM!!

NRAM are the most unprofessional outlet I have ever had any dealings with, I am £2000 arrears with the mortgage I have been paying £60.00 per month to clear the debt, my mortgage has just come off the fixed rate which means I can increase the repayment to £150, this has been declined, I have completed the documentation, I have been spoken to like I am some sort of criminal each time I have requested for the info to be in writing as I am deaf, then the saying goes its fallen on deaf ears. The advisors are not helpful, have no empathy and no customer service skills, an offer of £150.00 is surely better than nothing and how someone can determine from an incoming and outgoings sheet I have spare money, well i dont and i am getting to the end of my tether this is making me sick, how do I resolve this!!!

This company is to be avoided at all costs . People who work for the charity step change who used to be employed by NRAM also say this . I have wanted to settle my debt with them , 8 weeks worth of unanswered emails and counting . Being left on hold and the phone cutting off, this just proves how big a bunch of **** these people are , they dont want to settle debts as they may lose more interest or changes . If u are having problems with these losers go to Step Change or better still ignore them and tell them to go **** themselves as this they understand ..

I started a mortgage with NRAM in 2006 after being miss sold the mortgage in the first place. I have lost my job and owe about £1000 in arrears for which I am paying off slowly. NRAM have acted unlawfully towards me by continually not agreeing to the proposal for payment I've put forward. I am now having to apply under data protection law to access my own details to prove I made frequent offers of payment. They have completely denied this and even put it in writing which is indeed slander. The company seems obsessed with sending pre action letters and I complained to their own solicitors that they had not followed the correct pre action procedures. The company are bound by law to consider payment proposals by clients but nram have got round this as they have denied any conversations/ letters of offers. I think their agender is to get rid of as many lenders as possible to reduce their portfolio but surely in doing this they are acting as if these mortgages have been miss-sold in the first place.They are prepared to harass their customers relentlessly. I have taken out a complaint with the FOS and I wait to see if a third party feels there has been an injustice. it may sound harsh, but we the public already know they are not complainant and unreliable that's why they where taken over- but we thought they where now being overseen!

Having read the reviews on here I am shocked. I find the service great. I too bought my first property in 2007 thinking it was a good idea to get on the property ladder...wrong. I do not blame NRAM for the property crash but now being trapped in negative equity I look to NRAM for assistance. They were great! Ohh thanks NRAM for the higher interest rate than other lenders, I know I cant remortgage due to negative equity and a lack of 30k in the bank, yes consent to let would help, oh the price has gone from 100 per annum to 750 because you can? Well that seems v fair. Thank you. What great service. Im trapped with you and cannot sell my house as its not worth the mortgage I have left? Well lucky me you are so fair and helpful then. Lets face it, NRAM ruin peoples lives and don't care. Noone to help or turn to as its all legal.

Hi, I requested a consent to let for the same reason as other people mentioned below. Last year it cost me 150GBP for the ability to let my property for a year - they would not give me an extended period CTL, which cost 250GBP, due to the high unsecured loan I had on the morgage. I then paid off the unsecured loan to ensure this year i could get the extended CTL and have just received the renewal form and the fees have gone up from 150GBP to 1250GBP? Surely that cant be legal? Has any one else got this problem? I have no idea what to do, but its ridiculous to pay it. Problem is they say if you dont obtain a CTL to have a right of recourse. any ideas?