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  1. i think you will only get a copy of the deed from LR. NR wont give it to you - I know that much.
  2. parareg - you better pm me - the site team are trying to silience me!!!!:lol:
  3. Please close this post - I dont want to fall out over this. I just hope the 9.2million people heck their mortgages, and the legallity of them!! :lol:
  4. There really is a complete misunderstanding of what I am saying. You are all incorrect on the term 'mortgage'. A mortgage has to be secured against the property. If I am wrong, then please put me straight on the matter.
  5. I have no idea why NRAM called it a mortgage. It is not, in law. I dont understand the relevance of the other questions? Was there ever a mortgage, was it over 25k, did you borrow are immaterial. the fact remains there is NO mortgage. I dont understand your point. You seem to be suggesting that a 'mortgage' can be a mortage without following the statutory legislation?? That is obviously wrong, is it not? I also find it "implausible" that 9.2 million people in the UK would just repay a mortgage without checking if it is in fact a 'mortgage' following statutory legislation.
  6. NRAM plc call it a mortgage, but it is not. It cannot be in law, when it is unsecured, unregulated, and unregistered as a Charge. That would be "implausible". The definition of a 'regulated mortgage contract' is defined under the FCA(Perg). The definition of a 'first legal mortgage' is defined under FinancialServices and Markets Act 2000 (Regulated Activities) Order 2001" Part II,Chapter XV The Activities, Article 61 (4) (a). The definition of a charge is defined as meaning 'a mortgage, charge or lienfor securing money or money's worth' (Land Registration Act 2002, s132).
  7. ok, will do. http://www.legislation.gov.uk/uksi/2001/544/article/61/made and http://www.legislation.gov.uk/uksi/1999/2083/regulation/5/made
  8. and as a result...I was thinking of: "The Unfair Terms in Consumer Contracts Regulations 1999"
  9. thanks for the post. The other post is something different which is why I didnt post there. I am not trying to be awkward, just trying to have posts that are relevant to the topic. Returning to the post above: still have the property, there is no 'first' legal mortgage for the loan, and there is no regulated mortgage contract "Mortgage" thus: The Financial Services and Markets Act2000 (Regulated Activities) Order 2001" Part II, Chapter XV TheActivities, Article 61 (4) (a). Therefore, we have an unsecured, unregulated mortgage contract do we?
  10. Hi, Does anyone know what is the legal effect of having an unsecured, unregulated mortgage contract? Does it mean NRAM are in trouble with the FCA?, and is it any good to me being unsecured and unregulated?
  11. sorry, I meant registered charges against your property. Its shown under section c of your title number of your house. You may not have a copy of this, apply to land registry for a copy of the mortgage deed or charge. If you have any copies of documents, can you upload without the personal details? I am also guessing you have an unsecured loan? What are these details?
  12. If anyone is interested, I am taking these people on, and they are in difficulty.....
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