Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I've been contacted by my mortgage supplier, Lloyds, who have asked me to sign another mortgage loan agreement as they have lost the original. Any advice on how I should handle this? Should I pass it to my Solicitor to deal with and if so can I ask them to pay his fees? Also, because of the current climate, can I negotiate more favourable rates?!! A bit cheeky but it's worth asking!
I took the mortgage out approximately 3-4 years ago. I've probably got a copy somewhere in the loft with the rest of my paperwork, so I will have a look. The mortgage covered only part of the purchase price, luckily I was able to put down a hefty sum due to the sale of my previous house. It does sound suspicious so any advice would be gratefully received.
...and what happens if they haven't lodged it with Land Registry I wonder???
I'm not aware of lenders lodging copies of agreements t&c with the land registry. No doubt Lloyds are registered as the first mortgage on the property and have a charge to this effect.
Have you checked this on the land registry?
Have your mortgage statements all been Ok up to now?
Mortgage Loan Agreement
supplier, Lloyds
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Originally Posted by hammyhound
