Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #501
    Basic Account Holder cruzhughes Novitiate



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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    The legal charge in 2006 looks like my signatureicon I've always said that. But hers is too as the other owner occupier on alphas deeds of varation. I need to dig the official copy I paid for last year to see if her name is on that too


  2. #502
    Basic Account Holder cruzhughes Novitiate



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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    Quote Originally Posted by dx100uk View Post
    then surely she cant forge your sig and take out a secured loan on it and neither can you...
    Just checked and the one I have is the same alphas 2 sigs. What do you mean dx?


  3. #503
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    did you sign it?

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  4. #504
    Basic Account Holder cruzhughes Novitiate



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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    It looks like mine. But I can't recall it. I'm about to inbox you my mortgageicon deeds there's some kind of waiver in here with the ex and I'm not sure what it is and some things with sigs on


  5. #505
    Basic Account Holder cruzhughes Novitiate



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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    I still don't understand what your trying to say. There are 2 lots of signatures on almost everything mine and hers. Some look like they could be mine some look scanned and some are 100% not mine.

    She was not on the mortgageicon this was the second property I purchased and we weren't married when I had the first one. Which was sold and we moved.

    So where does all this tie in?

    My main concern was that I Have a mortgageicon on the house so I would be the one who was responsible for the debt in the long term. So that is why I've to get this charge down.


  6. #506
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    a person cannot sign up to a secured loan if they don't own a share of the property!!

    but

    The loan would be secured against your equity as full security but she will be joint and several to the agreement....but in the event of default they can still repo against you only..

    fresh off the press elsewhere here.

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  7. #507
    Basic Account Holder cruzhughes Novitiate



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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    This gets worse. You've got deeds now.

    How could she own a share? She had home rights on in from 2014 to 2016 but I took them off

    Questioned this below on another thread is it of relevance


    Quote Originally Posted by cruzhughes View Post
    Looking through my original mortgageicon application docs

    I have come across additional information sheet

    could some explain in layman terms what exactly this means please.

    XXXXX is my partner and lives at the sercurity address with me.

    Their security is my asset from before our relationship.

    Thanks in advance



  8. #508
    Basic Account Holder cruzhughes Novitiate



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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    Can you explain simply please


  9. #509
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    sadly it wont matter she was a party to the loan.


    they can still go after you.

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  10. #510
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    So I'm in exactly the same position that I thought I was in last year then?

    Anything else I can do other than what I have done?


  11. #511
    Basic Account Holder cruzhughes Novitiate



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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    Quote Originally Posted by Ell-enn View Post
    You need to assemble the following pack to take to court:

    Statement, signed
    FSCS letter
    Welcome letter
    Letter you're sending to Alpha
    Budget sheet

    Write the case number on the top of al the copy letters and the budget sheet then staple securely together. Hand in to the court office. While you are at the court office, ask if there are any duty legal advisers in attendance on the day of your hearing. If so you will be able to approach them on the day and ask for their assistance - they can accompany you into the hearing and support your case.
    All done and handed in to court. Putting it on system
    No legal advisor there need to either go CAB or shelter Cymru for advice



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