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.


Patricia Pearl - Small Claims Procedure - A Practical Guide

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  1. #1

    Default Deed of postponement

    Can anyone help me with a letter template for a deed of postponement.

    At the moment Iím thinking of remortgaging to a better deal.

    mortgageicon advisor advised that I would need to write to the people named on the deeds to see if they would agree to this.

    The main problem is that the company 3rd on the list is welcome finance who have sold the debt to a company via a deed of assignment called prime credit who are now 4th on the list.
    Any debt owed is made up of penatly charges and part of a long running dispute with both owners.
    That resulted in a possession hearing last year which I won.
    But the arguement now on this debt is that it should be a lot lower than what they are claiming.

    At worse I will have to add this 18k debt into the remortgage.
    But ideally would rather only remortgage for 67K not including this debt as itís set at 0%.

    In amongst arguing what is owed
    I want to get a letter off to Lloyds first to see if they agree.

    Then welcome.
    Last on the list will be prime as thereís many unresolved issues with their debt.
    Like the actual balance when historical fees and charges are removed the debt will be no where near 18k.

    I doubt prime will agree to the deed of postponement.

    But i need to start somewhere.
    And if the6 do take me back to court I have all my eggs in One basket sort of speak

    If anyone canít point me in the right direction to this type of letter it would be amazing.

    thank you

    Attached Files Attached Files

  2. #2

    Default Re: Deed of postponement

    Will this do the job do you think?

    To whom it may concern,

    I am writing to you today concerning an equitable charge that yourselves, Lloyds Bank registered against my property on 26/08/2006 at Brighton county courticon Ranking 3rd on my Land Registry Title Deeds.

    As it stands after applying for official copies

    ē Land Registry have confirmed they don't hold a document copy
    ē Brighton court have confirmed they don't hold a document copy.
    ē My local county court have confirmed they don't hold a document copy.

    I am in the process of looking to remortgage the property at xxxxxxxxxxxxxxx

    I have been advised by my mortgageicon advisor to seek further information from yourselves as this could cause problems after a mortgageicon application has been submitted.

    Are you able substantiate the the above charge, If not then I request you discharge it forthwith .

    In the event you are able to substantiate this charge. Would you consent to a deed of postponement if I was to remortgage the property.

    I thank you for your time and look forward to hearing from you within 14 days.


  3. #3

    Default Re: Deed of postponement

    SARicon the Lloyds Gresham house address?


    it makes a thread twice as long to scroll data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    RIP Martin3030


  4. #4

    Default Re: Deed of postponement

    Nothing was in the SARicon from Lloyds.

    Link say they purchased it 2016 but nothing has changed re deeds since. Even though they sent this out last May post 90

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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