NRAM Limited

Financial Ombudsman decision DRN9825317 Not upheld

Not upheldoutcome, as published by the Ombudsman

—no sum stated

Thu Dec 12deadline to accept (not the decision date)

The Ombudsman does not print a decision date. The date above is the deadline the consumer was given to accept or reject the decision, which is set about a month after it was issued. It is reliable to the year, not to the month.

What this decision was about

Mortgage administration, Complaint handling

In the Ombudsman’s words

Mr F complains about his mortgage with NRAM Limited. He’s complained about the term of the mortgage, about solicitors he says NRAM’s predecessor made him use, and about the transfer of the mortgage to NRAM.Mortgage administration

I’ve considered this letter. But I haven’t changed my mind. I don’t doubt Mr F has a heart condition and wasn’t, and isn’t, able to work. But that’s not the test – the test is whether there are exceptional circumstances which explain why the complaint couldn’t have been made in time.Complaint handling

Source

This page summarises the Ombudsman’s published final decision. The document itself is the record: DRN9825317.pdf on financial-ombudsman.org.uk.

The outcome shown is the Ombudsman’s own published classification, not our reading of the text. Nothing here is legal advice, and a decision concerns only the complaint it was made about.