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The notice period required before changing the date or amount of monthly payments has reduced from a minimum of 10 working days to a minimum of 4 working days.
This change has not altered the interest rate you are being charged, your monthly payment date, your monthly payment amount or your payment method. There is also no change to any arrangement you may have in place to clear any arrears, if this applies to you.
We are writing to all affected customers in August and September 2016 to outline these changes.
If we need to change the amount or date of your monthly payment for any reason we now guarantee to give you a minimum of 4 working days’ written notice. For example, if there is an interest rate change, we will write to you at least 4 working days before your new interest rate and monthly payment comes into effect.
No - This change has not altered the interest rate or monthly payment amount on your account. Whenever an interest rate change occurs we will notify you at least 4 working days before any change in your interest rate or monthly payment.
No – you do not need to change your payment amount or your payment date.
Yes – all your accounts will be affected by this change.
You do not need to take any action – the letter being sent to you (in August/September 2016) is for information only.
Yes – you can still make overpayments – for more information about making overpayments, visit our Overpayments section
Yes - you can continue to make capital repayments to reduce your outstanding balance. To make a capital repayment please call us.
Yes – download, print and complete a Direct Debit form here and return it to us at Mortgage Operations, NRAM Mortgage Operations, PO Box 625, DURHAM, DH1 9JJ.
No – this does not affect how you make changes to your Direct Debit.
No – any arrangements you have in place will not be affected. You should continue to make payments as per your arrangement.
*Calls may be recorded for monitoring and training purposes. Charges for calling 03 numbers are the same as for calls made to standard UK landline phone numbers starting 01 or 02 and are also included in bundled minutes and unlimited call packages.
NRAM Limited. Registered office: Croft Road, Crossflatts, Bingley, West Yorkshire, BD16 2UA. Registered in England and Wales (Company No. 09655526).
Authorised and regulated by the Financial Conduct Authority. Reg. No. 718097
NRAM Limited is part of the UK Asset Resolution Limited group.
Please note – this link will take you through to a website operated by another organisation. Bradford & Bingley and NRAM do not have any control over the content of external websites and can accept no responsibility or liability in respect of the material on such websites. Accept and Continue
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