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.

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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. #761
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    It's a bit more confusing than that.

    As they say a loan is outstanding and a charge sercured on my house however the Loan info they hold does not correspond with the legal charge that was placed on house 2 years before this loan that are claiming..

    Two different amonunts 2 years apart. Plus mass irresponsible lending on the previous owners part

    I'm unsure how I challenge the agreement they have to the one secured at the land registry 2 years prior though.

    I have a lot more info on all the previous loans with other company from a 2016 SARicon .

    Compared to what they've sent me in Sar regarding the 2008 loan they say is owed. I don't think they would have all the other docs.


  2. #762
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Excel went to ex wife's house this morning left another letter (same as mine) . Missed him by about 5 mins as I was picking boy up for school. Do I need to do anything?


  3. #763
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Refer to post#774

    We could do with some help from you

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  4. #764
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Baffling me why he's gone there. They know where I live.

    Land registry were as much help as a chocolate teapot their reply and I asked further questions.

    Thers in normal text.What I sent in reply in bold

    Hi can you assist further please?

    entry C4 on your title relates to a charge you took out with Progressive Financiall services Loan settled on 3/4/2007 who subsequently went into Liquidation and a portfolio of their charges (over various properties) was sold to Alpha Credit Solutions on 17 September 2016. So why was this sold to alpha in 2016?

    Once a charge is paid the Loan Company should apply to Land Registry to have the charge dis-charged from the title. You will need to seek Legal advice on how to have this charge removed if it has been satisfied. The loan company should have discharged it in 2007 upon settlement yet now Alpha have it.

    There is no entry of a charge dated 2008 in favour of Alpha Credit on your title so they would not be entitled to repossess your property. But they are trying on the above 2006 charge. Alpha credit do now have a deed of variation for a charge dated 2006 . So how have they got this deed of of assignment? How can they claim it's for a debt taken out in 2008?

    I have been to court twice for possession with them. Once last week and once before in May. They have adjourned both times before the hearing as I have submitted lots of evidence towards the 2008 debt being bogus.

    The 2008 debt was in serious dispute with the previous company prior to it being sold.

    Is there anything you can do to make Alpha prove that the 2006 charge should be on there in their name with this deed of variation. As it seems to me this has been put on my property without any proof whatsoever of the registered debt is either real, legal, or enforceable. Not forgetting it was settled April 2007.

    They are trying to claim a debt that has nothing to do with this charge as it was apparently taken out 2 years later.


    Reply I've just received

    Please see the reply that was sent to you in regard to this matter.
    Please note that Land Registry is an administrative agency and is unable to give legal advice


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

    The whole thread baffles me

    We could do with some help from you

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  6. #766
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    It's a nightmare. I've just updated previous post


  7. #767
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Received this from LR today

    The application form dated 17 September 2016 has your name and property, listed at page 5, against Charge dated 19 October 2006.
    Likewise the Deed of Variation dated 17 September 2016 also has your name and property, listed at page 13, against Charge dated 19 October 2006.
    I have so far not come across any reference to a charge dated August 2008 in relation to your property.

    If you have any documentation relating to the 2008 charge to which you refer that you wish to send to us then we will give it consideration
    however as previously stated with regards to the 2006 charge, we cannot remove a charge entry without a discharge.

    Land Registry’s role is administrative, recording details of property ownership on the basis of deeds/documents received and you may wish to consider seeking legal advice as Land Registry cannot provide legal advice.

    My reply

    There is no charge in 2008 on any of my deeds this is why I've come to you.
    Only the company alpha credit saying they hold one from a loan taken out that year.
    They have tried for repossession twice on this.
    Yet there is no charge on my property.
    So I would not have any documentation for this as there is none.

    But from what I see from my official copies they hold a deed of variation on a charge dated 17 September 2016 against Charge dated 19 October 2006.
    2 years prior to the date they claim it's from, which should have been discharged in 2007.
    Yet the company progressive finance have managed to pass/sell it on to Alpha with many other property's.

    As it stands at this moment in time after numerous letters sent by myself to the company Alpha credit since march 2017.
    They have no proof of paperwork to back up their claims of the debt, if so they would have provided it by now.
    However they have taken me to court twice for repossession.
    Which has been adjourned twice by the judge due to their failure to provide anything I have requested.

    This company that did not have to prove its case to you but you the Land Registry accepted the variation of the charge.
    And still they have yet to prove that any money is legitimately owed to them.

    Is there anything you can do to get them to showing proof of validity of the claim relating to the charge they own by a deed of variation?


  8. #768
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    send them that unredacted list of charges alpha have bought of other people too cruz.
    they might be able to unfathom the story better
    you never know what a clever bod might do once that's in their hands

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  9. #769
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    The doc you mentioned they already referred to by them as being on page 13. I'm unsure how I can respond further here. They just don't seem to be taking any notice to what I'm saying. Banging my head a a brick wall springs to mind.

    Anything you could advise me to send them. I haven't responded to email below yet.

    Follow up from LR.

    As previously stated Land Registry’s role is administrative only, recording details of property ownership on the basis of deeds/documents received.

    A charge that has been registered will remain on the register until a formal application is made to discharge it. The application to register the deed of variation was in order and registered in accordance with the application submitted to Land Registry.

    I can only recommend that you seek legal advice and Land Registry cannot offer any advice in this matter and would suggest you consider obtaining advice from a legal professional or a body such as the Citizen’s Advice Bureau.


  10. #770
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Here we go from prime today. Up it's going.

    The statements/letters are not even consistent in regular intervals

    Today's Sept 14th

    Aug 11th and 22nd
    July 11th and 26th
    June 23rd
    March 13th
    Feb 13th

    Attached Files

  11. #771
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    automated safe to ignore

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  12. #772
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Been going through file. 1st lot of court proceedings issued for the 24th May.

    After the 3 letters in june and July they issued 2nd lot of Court proceedings on the 12th of July. 7 weeks after the 1st hearing.

    I'm on the 2nd letter now since 2nd court hearing on 21st Aug. I'm sure I'll get another soon. The 7 weeks are up 9th October so let's see if they do issue proceedings at the same time frame.

    They haven't responded to letter dated 30/8 refusing a field agents visit and requesting I don't get charged.

    Clearly I've been charged as the fees to the sum of £263.20 are on today's letter. No breakdown though


  13. #773
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Another letter today from prime dated the same as one in 802. Worded differently. Also telling me that they are still charging me for excel mans visit even though I refused. So they've have read my letter dated 30/8.

    No arrangement fee in place makes me laugh.

    They haven't really took any notice of all the complaints from March

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  14. #774
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Nothing to date off these

    Having a moment by here and wondering should I be cheeky and ask these to take the 8000 they’ve taken from FSCS in Full and finalicon settlement?

    Other than that I can’t see where else I can go with this. It’s all in stalemate at present.


  15. #775
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Another 2 letters from prime!

    Attached Files

  16. #776
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Both automated letters

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  17. #777
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Like Wasting paper don’t they? Still adding fees after my refusing visits. I’m patiently waiting their next move. Whatever that maybe?

    Can’t believe my original complaint in March has not been taken in to account


  18. #778
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    I’m speechless.

    Original complaint March 2 lots of court cases later and they sincerely apologise??

    10 working days and should all be resolved?? We will see 7 months they’ve had already

    What do you think dx?

    Attached Files

  19. #779
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Very interesting letter from prime.

    What’s your verdict dx?? I’ve had a quick read through.

    Have a look at the deed of variation paragraph. They say the loan account started in 2006 and completed in 2008. Wasn’t there 3 loans in between?

    They have not included copy of title which they say they have in letter.

    Will inbox you up to date statement now.

    Doubt you need to see copy of income and expenditure they’ve sent out.

    Attached Files

  20. #780
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    I thought you had already sent them an income and expenditure sheet ?

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