I am convinced that the closed-book lending model employed by the company inflicts significant and ongoing harm to consumers and should not continue without necessary reforms. I was moved to this company without my consent and now feel trapped in a mortgage situation, facing high interest rates with no option to switch, lower the debt, or find a way out. This treatment of consumers is unjust and raises important regulatory and human rights issues.
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Landmark Mortgages Limited, formerly Northern Rock plc and later NRAM plc, is a British asset holding and management company which was split away from the Northern Rock bank in 2010.