Published decisions
312
Firm-specific decision volume in the public corpus
Firm analysis
Northern Rock (Asset Management) plc complaint analysis
A public analysis page covering published Financial Ombudsman decisions involving Northern Rock (Asset Management) plc, including outcome context, product mix, complaint themes, and representative cases.
Page summary
312 published decisions involving Northern Rock (Asset Management) plc, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
312
Firm-specific decision volume in the public corpus
Upheld rate
31.1%
97 upheld decisions
Latest published decision 15 May 2014
Upheld rate
31.1%
97 upheld decisions
Leading product
Banking and credit
284 decisions
Leading complaint theme
Delay In Claim Handling
57 tagged decisions
Northern Rock (Asset Management) plc at a glance
Northern Rock (Asset Management) plc appears in 312 published decisions in this corpus. 31.1% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Banking and credit is the firm’s clearest product exposure in the published decisions, with 284 decisions and an upheld rate of 30.3%.
- Latest active year in the published data: 2014 (103 decisions)
- Most common complaint theme: Delay In Claim Handling
- Most common precedent signal: Consumer Credit Act 1974
Volume and outcome trajectory
Northern Rock (Asset Management) plc's decision trail runs from 2013 to 2014. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, Northern Rock (Asset Management) plc appeared in 103 published decisions with an upheld rate of 24.3%.
- 2014: 103 decisions, 24.3% upheld
- 2013: 209 decisions, 34.5% upheld
Themes, products, and precedent signals
Delay In Claim Handling is the strongest complaint-theme signal tied to Northern Rock (Asset Management) plc in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Consumer Credit Act 1974, Mcob, Conc are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
- Banking and credit: 284 decisions
- Second complaint theme: Affordability Assessment Failure
- Second precedent signal: Mcob
Representative cases
Recent published decisions in this slice
5 examples shown
DRN499861015 May 2014Not upheld
Northern Rock (Asset Management) plc · Banking and credit
The complaint concerns a mortgage that Mr and Mrs K have with NRAM plc (formerly Northern Rock (Asset Management) plc) (“NRAM”). Mr and Mrs K complain that NRAM has responded unreasonably to arrears caused by the way in which the Department of Work and Pensions (DWP) has contributed to t... (3 pages)
View source decisionDRN973739014 May 2014Not upheld
Northern Rock (Asset Management) plc · Banking and credit
Mr T complains that Northern Rock (Asset Management) plc (‘NRAM’) has treated him unfairly over his financial difficulties.backgroundMr T held a repayment mortgage with NRAM. In 2010, due to his financial difficulties he asked NRAM for an interest-only arrangement. In May 2010 NRAM agree... (2 pages)
View source decisionDRN525986512 May 2014Not upheld
Northern Rock (Asset Management) plc · Banking and credit
Miss G complains that NRAM plc (formerly Northern Rock (Asset Management) plc) (NRAM) failed to allocate a payment to her secured loan account and failed to credit the correct amount of interest following its review of Consumer Credit Act loans. She said she had not received NRAM’s pol... (2 pages)
View source decisionDRN825789912 May 2014Not upheld
Northern Rock (Asset Management) plc · Banking and credit
Mr and Mrs R complain that the Receivers appointed by Northern Rock (Asset Management)plc (‘NRAM’) under the Law of Property Act 1925 recommended that their buy-to-let property should be sold. Mr and Mrs R say NRAM has failed to take into consideration a number of proposals they made ... (3 pages)
View source decisionDRN893477509 May 2014Not upheld
Northern Rock (Asset Management) plc · Banking and credit
Miss L and Mr M complain about the way in which NRAM plc (formerly Northern Rock (Asset Management) plc) (“NRAM”) has applied redress to their loan account when it discovered that it was in breach of the requirements of the Consumer Credit Act 1974 (“the Act”).backgroundMiss L and Mr ... (2 pages)
View source decision