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NRAM Limited
Legal entity: NRAM Limited
FCA register status: No longer authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 09655526, incorporated June 2015 — this company is liquidation.
This company is liquidation at Companies House. The decisions below still stand as a record of what was decided, but the business behind them may no longer be trading, and any current customers may now be dealt with by a different entity.
391banking decisions
29.9%uphold rate
274not upheld
Beyond banking
The figures above cover this firm’s banking, credit and mortgage decisions only. The Ombudsman also decided complaints about it in other sectors, which behave differently and are kept separate rather than averaged in.
| Sector | Decisions | Uphold rate |
|---|---|---|
| Banking, credit and mortgages — shown above | 391 | 29.9% |
| Payment protection insurance | 70 | 37.1% |
| Investments and pensions | 3 | — |
| Insurance (excluding PPI) | 1 | — |
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Mortgage administration | 182 | 63 | 34.6% |
| Treatment in financial difficulty | 93 | 27 | 29.0% |
| Charges and fees | 66 | 28 | 42.4% |
| Credit file reporting | 65 | 28 | 43.1% |
| Complaint handling | 54 | 24 | 44.4% |
| Product mis-sold | 39 | 4 | 10.3% |
| Interest and rates | 33 | 2 | 6.1% |
| Service failure | 30 | 13 | 43.3% |
| Irresponsible lending | 19 | 2 | 10.5% |
| Support for vulnerable customers | 11 | 4 | 36.4% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FCA | 2021-H1 01-10-2020 to 31-03-2021 | — | 0 | 0 | — |
| FOS | 2022-H1 | — | — | — | 1 |
| FOS | 2021-H2 | — | — | — | 4 |
| FOS | 2021-H1 | — | — | — | 6 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.