Thread: Loan secured with a charging order

Hi

I have been reading the forums over the last few days but am struggling to find information to help me,

I took out a £15,000 loan with alliance & Leicester around 1999 due to circumstance I defaulted on the loan and last year was taken to the courts which eventually led to a charging order being placed on my property.

I do not have the loan agreement and am worried that the bank will not supply me with the details as they already have the loan enforced with the ccj

Is there any way around this….

Just the thought that there’s a possibility of clearing this debt is a massive weight of my shoulders….

Regards

Thanks old_andrew2007

In the mean time I have sent off for Subject access request Enclosing a £10 postal order.

Hopefully this comes back favourable.

Hi

I have today received from the Subject access request from alliance and Leicester

The covering letter states that the information available is limited as the loan was taken out over 6 years ago.

The information that is no longer available is –

Loan Purpose
Marital status
Dependents
Residential status
Job Title
Time Employed
Monthly outgoings….

Information they supplied –

Address as at application
Loan account number
Date account opened (30.06.01)
Loan amount
Monthly payments
Date Of Birth
Payment method for loan

Can anyone please advise what steps I need to take next…..do I have a case, is it beyond the means of someone like me fighting it.

I eagerly await advice from the experienced members of the group…