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James.

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  1. Woah guys thanks for the response! I haven't a lot of time before work to reply to you all individually, but will try to answer all your questions to maybe shed a bit more light, i can understand its confusing, i'm very confused myself. Also thanks for everyone sharing links, i will check them out in the morning! Is the mortgage and loan in somebody else's name as well The original mortgage was joint between my mum and dad. I was told when they split (never married) She got the loan to pay him his share of the place and re-mortgage. so it was only her on the loan and mortgage. However this confused me because i don't see the need in the loan if she would get money from re-mortgaging. The usual terms and conditions of both the mortgage and secured loans is that there should be Life Insurance in place to pay them in this situation. I thought she would have had life insurance, my aunt told me she had life insurance on the loan, but it wouldn't pay out because of the way she died. (liver failure due to being an alcoholic.) I knew sometimes life insurance wont pay out if you commit suicide, but didn't realise this would be a feasible reason to not pay. and apparently the mortgage didn't have life insurance cover on. what was put in place so that the house could be rented out? Where and who were you living with after your mother passed away? My aunt didn't pay the mortgage for a year after my mum passed (I seriously didn't think a bank would let a mortgage not be paid for this amount of time!) She apparently informed the mortgage company of my mums passing and gained probate. She then started renting out the house whilst i lived between my other aunt and granddad. I am imagining that the mortgage company and Swift are unaware of James's mothers passing and his Aunt has just kept up the payments which if it is the case then getting the required info might be difficult if the account holder is unable to authorise access. As far as i'm aware they both know of my mums passing. All letters are sent to my aunt, c/o address and she has regular visits to the bank etc. she is also the person to phone up swift/hallifax and has access to all documents/accounts etc. I know this is complex so i do thank you all for your time to reply and supply your insights/advise. Trying to get my aunty to send off the paper work for a SAR is proving hard, so i don't know how easy it will be to get all the documents. i'm hoping things go better when i manage to speak to the CAB and then hopefully a solicitor who can help me with some of this confusion.
  2. Thanks for the reply, is trust law any solicitor can help me with? Or would CAB help?
  3. As said above my mum died when I was 15, from then all my mums things were dealt with by my aunty mainly and granddad. They never really got me involved in the process, even when i turned 18 and it should have been handed to me to deal with, but wasn't. Unfortunately I have nothing of hers but 1 photo as they've kept everything. They claimed to have done this in my best interest, which i can understand to an extent, but are very shady about her affairs and where 8 years of rent money has gone as a significant amount of the debt and loan should have been paid off, and as it stands there is little difference in the accounts from when my mum was alive. I will phone the CAB and try to get an appointment. I'm just worried they're taking me for a fool which is primarily why I came on this forum to try to get an insight into the situation with swift to see how my situation reflects with others here.
  4. Thanks for replying Andy. Is this something I can do over the phone or is it best to do this is writing? Thanks
  5. Thanks for replying. I have sent off for a SAR as advised on here. As i said my aunt deals with all her things so i dont know the full ins and outs of it all. she had PPI on the loan, and life cover,however apparently both wont pay out because of the way she died (alcohol induced liver failure.) I dont know how true this is. And she believed she had life insurance through the mortgage but apparently when she re-mortgaged she didn't add this back on. Hopefully you can see how confused i am as i dont have full access to anything of hers.
  6. did you have any luck with this and what was the final settlement figue, im in the same boat with the same amount of money, and have no idea where to go from here.
  7. Hello and thanks for reading, im new to the forum so please bare with me. My mum died in 2008 when i was only 15. She had a mortgage through hallifax and had a loan secured on her house through swift. The loan was taken out on 20.10.2006 for £19,133 (I believe this was the amount with interest added on, i think she only received about £15,000. At the time she died her estate was handed to my aunty to deal with as i was too young. The market wasn't great for selling so my aunt thought it would be in my interest to keep the house on and have a tenant living there in the mean time until there would be a profit from the house sale so this is what she's done. While the tenant was there (the last 8 years) she's been paying the mortgage and the loan with swift. However we have now decided to sell the house. I had a look at some paperwork and my aunts been paying £280 a month, but they've added monthly interest of £300 so the debt is getting £20 worse a month, which I don't understand. We thought it would be straight forward as when the house sells we can pay off the remainder of the mortgage and the loan and bobs your uncle. However after doing some research on here of swift it doesn't look like that's the case. Is it true they will add a huge sum on the original loan amount for a settlement figure? how best to proceed from now? i really do thank you for your time reading this and hope someone can help because im at a loss
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